Naam Wynn's Recommended Credit Cards

Chase Sapphire Reserve®

Our rating:5.0

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Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

10x: Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5x: Earn 5x total points on flights through Chase Ultimate Rewards®.
3x: Earn 3x points on other travel and dining.
1x: Earn 1 point per $1 spent on all other purchases

Intro offer: 60,000 points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

Annual fee: $550

Regular APR: 22.49% - 29.49% variable

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:5.0

Rating methodology

Rewards Value:: 4.9
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 5.0
Features:: 4.0
Issuer Customer Experience: 4.0

Highlights

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC

Rates & Fees

Annual Fee: $550
Intro Purchase APR: N/A
Regular APR: 22.49% - 29.49% Variable
Intro Balance Transfers APR: N/A

The Platinum Card® from American Express

See Rates & Fees, Terms Apply

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

5X: Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X: 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer: Earn 80,000 points Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Annual fee: $695

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

You may earn up to a 150,000-point intro bonus offer if you use our CardMatch tool.

Highlights

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.

Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

Capital One Venture X Rewards Credit Card

Our rating:5.0

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Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

10 Miles: 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles: 5 Miles per dollar on flights booked through Capital One Travel
2 Miles: 2 Miles per dollar on every purchase, every day

Intro offer: 75,000 miles Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual fee: $395

Regular APR: 21.99% - 28.99% variable

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:5.0

Rating methodology

Rewards Value:: 5.0
Annual percentage rate:: 4.0
Rewards Flexibility:: 4.0
Features:: 5.0
Issuer Customer Experience:: 4.0

Highlights

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®

Rates & Fees

Annual Fee: $395
Intro Purchase APR: N/A
Regular APR: 21.99% - 28.99% (Variable)
Intro Balance Transfers APR: N/A

American Express® Gold Card

Our rating:5.0

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Rewards rate

4X: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X: Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X: Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer: 60,000 points Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual fee: $250

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:5.0

Rating methodology

Rewards Value:: 4.8
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 4.0
Features:: 5.0
Issuer Customer Experience:: 5.0

Highlights

Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Rates & Fees

Annual Fee: $250
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

Chase Sapphire Preferred® Card

Our rating:4.9

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Rewards rate

5x: 5x on travel purchased through Chase Ultimate Rewards®
3x: 3x on dining
2x: 2x on all other travel purchases, plus more

Intro offer: 60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Annual fee: $95

Regular APR: 21.49% - 28.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value:: 4.8
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 5.0
Features:: 3.0
Issuer Customer Experience:: 4.0

Highlights

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
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.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC

Rates & Fees

Annual Fee: $95
Intro Purchase APR: N/A
Regular APR: 21.49% - 28.49% Variable
Intro Balance Transfers APR: N/A

Bank of America® Customized Cash Rewards credit card

Our rating:4.4

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Rewards rate

3%: Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%: Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%: Earn unlimited 1% on all other purchases.

Intro offer: $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Annual fee: $0

Regular APR: 18.24% - 28.24% Variable APR on purchases and balance transfers

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value:: 3.3
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 2.3
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and no expiration on rewards.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases
Regular APR: 18.24% - 28.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR: 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.

The American Express Blue Business Cash™ Card

Our rating:4.4

See Rates & Fees, Terms Apply

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Rewards rate

2%: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%: 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Intro offer: No current offer

Annual fee: No annual fee

Regular APR: 18.49% - 26.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value: 3.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 5.0
Features: 4.0
Issuer Customer Experience: 5.0

Highlights

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
No Annual Fee
Terms Apply

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 18.49% - 26.49% Variable
Intro Balance Transfers APR: N/A

Ink Business Premier℠ Credit Card

Our rating:3.7

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Rewards rate

5%: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards
2.5%: Unlimited 2.5% total cash back on purchases of $5,000 or more
2%: Unlimited 2% cash back on all other business purchases.

Intro offer: $1,000 Cash Back Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Annual fee: $195

Regular APR: 19.49% - 27.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.7

Rating methodology

Rewards Value: 4.0
APR: 1.0
Rewards Flexibility: 4.0
Features: 3.0
Issuer Customer Experience: 4.0

Highlights

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Rates & Fees

Annual Fee: $195
Intro Purchase APR: N/A
Regular APR: Flex for Business Variable APR: 19.49% - 27.49%
Intro Balance Transfers APR: N/A

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