Smart Points's Top Picks

Capital One Venture X Rewards Credit Card
Our rating:5.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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.

Rewards rate

10X
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X
5X miles on flights booked through Capital One Travel.
2X
Earn unlimited 2X miles on all other purchases

At A Glance

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
19.99% - 26.99% variable
The Platinum Card® from American Express
Our rating:4.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

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
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

At A Glance

Intro offer
Earn 80,000 points Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$695
Regular APR
See Pay Over Time APR
Chase Sapphire Reserve®
Our rating:5.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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.

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

At A Glance

Intro offer
80,000 points Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
Annual fee
$550
Regular APR
19.99% - 26.99% variable
Capital One VentureOne Rewards Credit Card
Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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.

Rewards rate

5X
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
1.25X
Earn unlimited 1.25X miles on every purchase, every day.

At A Glance

Intro offer
20,000 miles Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Annual fee
$0
Regular APR
17.99% - 27.99% variable
American Express® Gold Card
Our rating:5.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

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.

At A Glance

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
19.74%-26.74% Variable
Citi Premier® Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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.

Rewards rate

3X
Earn 3 Points per $1 spent at Restaurants and Supermarkets
3X
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1X
Earn 1 Point per $1 spent on all other purchases

At A Glance

Intro offer
80,000 points For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Annual fee
$95
Regular APR
19.74% - 27.74% (Variable)
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