7. Discover it® Miles
| Best Feature | Travel rewards. |
| Credit Needed | Excellent, Good 670-850 |
| Intro Bonus | Discover will match all the Miles you’ve earned at the end of your first year. |
| Annual Fee | $0 |
| APR | 17.24% – 28.24% Variable APR |
Discover offers a Miles-for-Miles match for all new card members, which gives an unlimited match of all the miles earned at the end of the first year. Additionally, users can earn unlimited 1.5x Miles on every dollar of every purchase, with no annual fee. Miles can be turned into cash or redeemed as statement credit for travel purchases. Other features include a 0% intro APR for 15 months on purchases, nationwide acceptance, and an on/off switch to freeze the account. Terms and conditions apply. Apply Now.
8. The Platinum Card® from American Express
| Best Feature | Premium cardholder benefits. |
| Credit Needed | Good, Excellent 670-850 |
| Intro Bonus | 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. |
| Annual Fee | $695 |
| APR | See Pay Over Time APR |
Earn 80,000 Membership Rewards® Points after spending $8,000 in the first 6 months of Card Membership. Enjoy various benefits like $200 Hotel Credit, $200 Airline Fee Credit, $200 Uber Cash, $100 Global Entry Credit, and more. Annual fee of $695. Apply here.
9. Chase Sapphire Preferred® Card
| Best Feature | Travel rewards. |
| Credit Needed | Excellent, Good 670-850 |
| Intro Bonus | 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 |
| APR | 21.49%-28.49% Variable |
Earn 60,000 bonus points after spending $4,000 in the first 3 months. Get 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, plus many other benefits. Redeem points for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards® and get 25% more value.
Enjoy Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more. Activate by December 31, 2024, and get complimentary access to DashPass, which unlocks $0 delivery fees and lower service fees for a minimum of one year. Apply for it.
10. United Gateway℠ Card
| Best Feature | United Airlines travel rewards. |
| Credit Needed | Good, Excellent 670-850 |
| Intro Bonus | Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more. |
| Annual Fee | $0 |
| APR | 21.99% – 28.99% Variable |
Earn 30,000 bonus miles with no annual fee. Get 2 miles per $1 spent on United® purchases, gas stations, local transit/commuting, and 1 mile per $1 spent on all other purchases. Also, get 25% back as a statement credit on food, beverage, and Wi-Fi purchases on United-operated flights and Club premium drinks with your Gateway Card. Apply Now.
11. Wells Fargo Reflect® Card
| Best Feature | Lengthy 0% introductory APR. |
| Credit Needed | Good to Excellent 670-850 |
| Intro Bonus | – |
| Annual Fee | $0 |
| APR | 18.24%, 24.74%, or 29.99% Variable APR |
You can apply now to enjoy 0% intro APR for 21 months on purchases and qualifying balance transfers, with a variable APR of 18.24%, 24.74%, or 29.99% thereafter. There’s a $0 annual fee and you’ll get up to $600 of cell phone protection against damage or theft. You can also access personalized deals through My Wells Fargo Deals. Apply Now.
12. Blue Cash Everyday® Card from American Express
| Best Feature | Cash back on everyday purchases. |
| Credit Needed | Good, Excellent 670-850 |
| Intro Bonus | Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. |
| Annual Fee | $0 |
| APR | 19.24% – 29.99% Variable |
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