Our Top Card Issuers of 2023

Point Multipliers:

• 5X on Flights booked directly with airlines or through Amex Travel (on up to $500,000 spent per calendar year)
• 5X on Prepaid Hotels booked on AmexTravel.com
• 1X on other purchases
• Terms apply

Rates & Fees

The Platinum Card® from American Express is one of the best travel cards, especially if you can use the many credits. For many, this becomes a highly subsidized lounge access and travel perks card.

Point Multipliers:‍ 

• Earn 4X points at restaurants 
• Earn 4X points on U.S. Uber Eats purchases 
• Earn 4X points at U.S. supermarkets on up to $25,000 per year, then 1X 
• Earn 3X points on flights booked directly with airlines or amextravel.com 
• Earn 1X points on other purchases 

Credits: 

• $120 Uber Cash, up to $10 each month 
• Up to $10 in monthly statement credits when you pay with the Gold Card at select dining partners (see below for details) 
• Terms apply

Rates & Fees

The American Express® Gold Card offers competitive point multipliers when it comes to purchases at restaurants and U.S. supermarkets, and it also has a handful of other benefits offered by Amex that make it stand out compared to other premium cards. 

The Blue Business Plus earns 2X Membership Rewards (MR) points on the first $50,000 in spend per calendar year on eligible purchases; earn 1 point per dollar thereafter.

Terms apply.

Rates & Fees

The Blue Business Plus is a great option if you're looking for a catch-all business card and you're not planning to spend more than $50,000 on the card.

Point Multipliers:

• 5X Points on flights and prepaid hotels booked on AmexTravel.com
• 1.5X Points on eligible purchases of $5k or more, on up to $2 million of these purchases per calendar year
• 1.5X Points on business categories like construction suppliers, electronic retailers, software providers, and more. Cap applies.
• 1X Points on all other purchases

Terms apply.

Rates & Fees

The The Business Platinum® Card from American Express is ideal for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts. Get over $1,000 in business value from statement credits from vendors like Dell Technologies and Adobe Creative Solutions. Terms apply.

Earns 4X Membership Rewards (MR) points on your top two spend categories each billing cycle from the following categories:

• U.S. advertising (in select media such as online, TV, and radio) - This category ends 1/31/24.
• U.S. shipping - This category ends 1/31/24.
• U.S. purchases made from electronic goods retailers and software & cloud system providers - This category ends 1/31/24.
• Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. gas stations
• U.S. purchases made directly from certain technology providers (computer hardware, software, cloud solutions)
• U.S. restaurants

The 4X rate applies to the first $150,000 in combined spending from two categories from the above list each calendar year. After this, it’s 1X. Terms apply.

You’ll also earn 3X on flights and pre-paid hotels booked on AmexTravel.com and 1X on everything else.

Terms apply.

Rates & Fees

The American Express® Business Gold Card is one of the best cards to earn points for business owners. The card is ideal for businesses with moderate to high spend on relevant categories like U.S. advertising, U.S. gas stations, and U.S. shipping.

Point Multipliers:

• 3% Cash back at U.S. supermarkets, on up to $6,000 per year, then 1% after that.
• 3% Cash back on U.S. Online Retail Purchases on up to $6,000 per year, then 1% after that.
• 3% Cash back at U.S. gas stations on up to $6,000 per year, then 1% after that.
• 1% Cash back on other purchases.

Rates & Fees

A great cash back card for those who are able to maximize spend at U.S. supermarkets, U.S. Online Retailers, and U.S. gas stations on up to $6,000 per year, then 1% after that.

Point Multipliers:

• 7X Points on eligible purchases at Hilton hotels and resorts
• 5X Points at U.S. restaurants
• 5X Points at U.S. supermarkets
• 5X Points at U.S. gas stations
• 3X Points on all other eligible purchases

Terms apply.

Rates & Fees

For Hilton loyalist that want a fast track towards elite status. Enjoy complimentary Hilton Silver status, plus an opportunity to earn Hilton Gold status. The card also doesn't have an annual fee, making it easy to keep.

Point Multipliers:

• 12X Points on eligible purchases at Hilton hotels and resorts
• 6X Points at U.S. restaurants
• 6X Points at U.S. supermarkets
• 6X Points at U.S. gas stations
• 4X Points at U.S. online retail purchases
• 3X Points on all other eligible purchases

Terms apply.

Rates & Fees

For Hilton loyalist that want a fast track towards elite status. Enjoy complimentary Hilton Gold status, plus an opportunity to earn Hilton Diamond status. 

Point Multipliers:

• 12X Hilton Honors points on purchases made directly with hotels and resorts in the Hilton portfolio
• 6X Hilton Honors points at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers
• 6X Hilton Honors points at U.S. restaurants, flights, and car rentals
• 3X Hilton Honors points on other purchases

Terms apply.

Rates & Fees

Ideal for Hilton loyalist that want competitive multipliers at Hilton properties and select business and travel purchases. Get airport lounge access with Priority Pass (10 visits free). If you spend $15,000 in a calendar year, you get a Free Weekend Night Reward. The card also comes with Hilton Gold status.

Point Multipliers:

• 6X total points at Marriott
• 4X Points at restaurants worldwide
• 4X Points at U.S. gas stations
• 4X Points on wireless telephone services purchased directly from U.S. service providers
• 4X Points on U.S. purchases for shipping
• 2X Points on all other purchases

Terms apply.

Rates & Fees

Great Marriott Bonvoy card with competitive point multipliers.  Get a Free Night Award (up to 35,000 points) per year, which helps offset the annual fee. In addition, you get Bonvoy Gold status just by having the card. 

Point Multipliers:

• 6X total points at participating Marriott Bonvoy hotels
• 4X Points at restaurants worldwide & U.S. Supermarkets. Earn 4X on up to $15,000 in combined purchases at restaurants and U.S. Supermarkets, then 2X points after that.
• 2X Points on all other purchases

Terms apply.

Rates & Fees

Ideal for people looking for a mid-tier Marriott Bonvoy card. Get complimentary Marriott Bonvoy Gold Elite status, and earn 1,000 bonus points per paid eligible stay booked directly with Marriott Bonvoy.

If you spend a lot on the card, you can earn 1 Free Night Award after spending $15,000 on eligible purchases on the card in a calendar year. The Free Night Award is worth up to 50,000 Marriott Bonvoy points. Terms apply.

Point Multipliers:

• 3X Miles on Delta purchases made directly with Delta
• 3X Miles on direct Hotel purchases
• 2X Miles on dining at restaurants
• 2X Miles at U.S. supermarkets

Terms apply.

Rates & Fees

Get closer to Medallion Status with Status Boost® opportunities to earn additional Medallion Qualification Miles (MQMs). Earn an Annual Companion Certificate each year your renew the card. 

Point Multipliers:

• 2X Miles on dining at restaurants, including takeout and delivery in the U.S.
• 2X Miles at U.S. supermarkets
• 2X Miles on Delta purchases made directly with Delta
• 1X Miles on other purchases

Rates & Fees

The ideal card to get the perks of airline status without being a frequent flyer, including free first checked bag on Delta flights.

Point Multipliers:

• 2X Miles on Delta purchases made directly with Delta
• 2X Miles at U.S. restaurants
• 2X Miles on U.S. shipping providers
• 2X Miles on U.S. advertising purchases in select media
• 1X Miles on other purchases

Rates & Fees

The ideal card to get the perks of airline status without being a frequent flyer, including free first checked bag on Delta flights. Enjoy 20% saving on select Delta in-flight purchases in the form of a statement credit when you use your card.

Point Multipliers:

• 3X Miles on Delta purchases made directly with Delta
• 1X Miles on all other purchases

Terms apply.

Rates & Fees

The best option for Delta frequent flyers who can benefit from access to Delta Sky Clubs* and Centurion Lounges (when flying Delta). Earn an Annual Companion Certificate each year you renew the card. Get closer to Medallion Status with Status Boost® opportunities to earn Medallion Qualification Miles (MQMs).

*Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Point Multipliers:

• 3X Miles on Delta purchases made directly with Delta
• 1.5X Miles on large purchases of $5k or more, up to 50k additional miles per calendar year
• 1X Miles on all other purchases

Terms apply.

Rates & Fees

The best option for Delta frequent flyers who can benefit from access to Delta Sky Clubs* and Centurion Lounges (when flying Delta). Earn an Annual Companion Certificate each year you renew the card. Get closer to Medallion Status with Status Boost® opportunities to earn Medallion Qualification Miles (MQMs).

*Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.

Point Multipliers:

• 2X Miles on dining at restaurants
• 2X Miles on Delta purchases made directly with Delta
• 1X Miles on all other purchases

Rates & Fees

Entry level Delta credit card to start accumulating SkyMiles. Enjoy travel benefits like 20% back on eligible Delta in-flight purchases in the form of statement credit when you use your card. 

The Plum Card® from American Express lets you pay early to earn unlimited cash back on your purchases.

Earn unlimited 1.5% cash back on the portion of your balance you pay within 10 days of your statement closing date. There's no cap on how much you can earn and no purchase categories, just savings applies to your next statement.

Terms apply.

Rates & Fees

The Plum Card doesn't have a preset spending limit, which is determined by various factors. This does not mean unlimited spending. 

Point Multipliers:

• 2% Cash back on everyday eligible business purchases up to $50k per calendar year.
• Earn 1% cash back on other eligible purchases after the first $50k spent on your card, automatically credited to your statement.

Rates & Fees

A straight-forward business credit card that earns 2% cash back on the first $50k on eligible purchases each calendar year, and then 1% cash back thereafter. 

Point Multipliers:

• 3X Miles on Delta purchases made directly with Delta
• 3X Miles on direct Hotel purchases
• 1.5X Miles on large purchases of $5k or more, up to 50k additional miles per calendar year
• 1X Miles on all other purchases

Terms apply.

Get closer to Medallion Status with Status Boost® opportunities to earn additional Medallion Qualification Miles (MQMs). Earn an Annual Companion Certificate each year your renew the card. 

Point Multipliers:

• 6X total points at Marriott
• 3X Points at restaurants worldwide
• 3X Points on flights booked directly with airlines
• 2X Points on all other purchases

Terms apply.

Rates & Fees

Flagship Marriott Bonvoy card with competitive point multipliers.  Get a Free Night Award (up to 85,000 points) per year, which helps offset the annual fee. In addition, you get Bonvoy Platinum status just by having the card.