All Credit Cards
Below you can find a complete listing of every card we’ve mentioned in an article along with our quick thoughts about it and who should consider applying. When available we use our personal referral links to help offset the costs of running Redux Finance, if we don’t have a referral link available for the card then we link directly to the card issuer’s website. Many banks give different sign up bonus offers for different referrals so we recommend spending ten minutes on Google to find the best sign up offer you can at the time and if you find better offers for yourself we highly encourage you to apply using those links instead of our personal ones.
American Express Credit Cards
American Express Personal Credit Cards
Blue Cash Everyday® Card
- 3% cashback on up to $6,000 of supermarket purchases a year
- 2% cash back on gas stations and select department stores
- 1% cash back on all other purchases
- Earn $150 statement credit after $1,000 spent in the first 3 months
- 0% APR for first 15 months
- No Foreign Transaction Fees
- No annual fee
The Blue Cash Everyday® from American Express is an excellent choice for beginning to intermediate credit users who want to optimize their cash back rewards at grocery stores. A better than average intro 0% APR term is great for those looking for some extra time to pay off a big purchase. There are potentially better cards out there, but if you are brand loyal to American Express then The Blue Cash Everyday® card is a great addition for additional cash back at supermarkets and gas stations.
AMEX EVERYDAY
- 3% cashback on up to $6,000 of supermarket purchases a year
- 2% cash back on gas stations and select department stores
- 1% cash back on all other purchases
- Earn $150 statement credit after $1,000 spent in the first 3 months
- 0% APR for first 15 months
- No Foreign Transaction Fees
- No annual fee
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AMEX GOLD
- 3% cashback on up to $6,000 of supermarket purchases a year
- 2% cash back on gas stations and select department stores
- 1% cash back on all other purchases
- Earn $150 statement credit after $1,000 spent in the first 3 months
- 0% APR for first 15 months
- No Foreign Transaction Fees
- No annual fee
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AMEX PLAT
- 3% cashback on up to $6,000 of supermarket purchases a year
- 2% cash back on gas stations and select department stores
- 1% cash back on all other purchases
- Earn $150 statement credit after $1,000 spent in the first 3 months
- 0% APR for first 15 months
- No Foreign Transaction Fees
- No annual fee
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American Express Platinum Card® for Schwab
- 3% cashback on up to $6,000 of supermarket purchases a year
- 2% cash back on gas stations and select department stores
- 1% cash back on all other purchases
- Earn $150 statement credit after $1,000 spent in the first 3 months
- 0% APR for first 15 months
- No Foreign Transaction Fees
- No annual fee
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American Express Airline Credit Cards
Blue Delta
- 3% cashback on up to $6,000 of supermarket purchases a year
- 2% cash back on gas stations and select department stores
- 1% cash back on all other purchases
- Earn $150 statement credit after $1,000 spent in the first 3 months
- 0% APR for first 15 months
- No Foreign Transaction Fees
- No annual fee
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Gold Delta
- 3% cashback on up to $6,000 of supermarket purchases a year
- 2% cash back on gas stations and select department stores
- 1% cash back on all other purchases
- Earn $150 statement credit after $1,000 spent in the first 3 months
- 0% APR for first 15 months
- No Foreign Transaction Fees
- No annual fee
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American Express Hotel Credit Cards
Hilton Honors Card
- 7x Hilton Honors Points for each dollar spent at Hilton properties
- 5x Hilton Honor Points at US restaurants, supermarkets, and gas stations
- 3x Hilton Honors Points on all other purchases
- Earn 75,000 Hilton Honors Points after $1,000 spent in first 3 months
- Targeted Hilton Honors Point upgrade offers for Hilton Honors American Express Surpass®
- Complimentary Hilton Silver Status
- No Foreign Transaction Fees
- No annual fee
- Hilton Honors Points are not easily transferable
- Lacks intro 0% APR rate offer
The Hilton Honors American Express Card is the best no annual fee hotel card on the market. Cardholders get complimentary Hilton Silver Status which allows you to get the 5th night free on reward stays. This is the perfect card for someone who has a tendency to stay at Hilton properties.
Hilton Honors American Express Surpass® Card
- 12x Hilton Honors Points for each dollar spent at Hilton properties
- 6x Hilton Honors Points at US restaurants, supermarkets, and gas stations
- 3x Hilton Honors Points on all other purchases
- Earn 125,000 Hilton Honors Points after $2,000 spent in first 3 months
- Free weekend night after $15,000 spent on card in a calendar year
- Complimentary Hilton Gold Status
- No Foreign Transaction Fees
- Low annual fee can be offset by perks offered
- Hilton Honors Points are not easily transferable
- Lacks intro 0% APR rate offer
The Hilton Honors American Express Surpass Card gives cardholders complimentary Hilton Gold Status. Benefits of Gold Status include: room upgrades when available and complimentary breakfast. Additionally, this card comes with 10 visits to a Priority Pass lounge per year. This is the perfect card for the individual who stays at a Hilton property a handful of times per year and can benefit from starting your day with a warm meal and being upgraded to better rooms. Additionally, it could be for someone who travels by air a handful of times and values lounge access.
Hilton Honors American Express Aspire Card
- 14x Hilton Honors Points for each dollar spent at Hilton properties
- 7x Hilton Honors Points at US restaurants, supermarkets, and gas stations
- 3x Hilton Honors Points on all other purchases
- Earn 150,000 Hilton Honors Points after $4,000 spent in first 3 months
- Free weekend night each year, and earn an additional free night if $60,000 spent on card in a calendar year
- Complimentary Hilton Diamond Status
- No Foreign Transaction Fees
- $250 Airline Fee Credit
- Hilton Honors Points are not easily transferable
- Lacks intro 0% APR rate offer
- High annual fee
The Hilton Honors American Express Aspire Card gives cardholders complimentary Hilton Diamond Status. This card comes with a $250 annual airline credit, a $250 Hilton Resorts credit, and a complimentary free night. Additionally, you get unlimited Priority Pass airport lounge access with this card. This card is perfect for the individual who stays at Hilton Resorts for leisure and travels frequently by air for either leisure or business and can take advantage of the unlimited lounge access.
American Express Business Credit Cards
American Express Blue Business® Plus
- 2X Membership Rewards (MR) points on first $50,000 spent per year, then 1X MR points
- MR Points are highly valued for travel
- 0% APR for first 12 months
- Employee Cards at no cost
- Expanded Buying Power
- No annual fee
- No sign up bonus without referral or targeted offer
- MR cashback redemption is worth ¢.06 per point
- Foreign Transaction Fee
The American Express Blue Business® credit card is the perfect credit card for a domestic small business owner who doesn’t want to fuss over category spending and prefers travel redemption over cashback statement credit. With the 2.7% foreign transaction fee, the saving savvy business owner will likely want to add on another card to use for international travel.
Blue Business Cash Card from American Express
- 2% cash back on first $50,000 spent per year, then 1% on all other purchases
- Earn $250 statement credit after $5,000 spent in the first 6 months
- Earn an additional $250 statement credit after you spend an additional $10,000 in the first 12 months
- 0% APR for first 12 months
- Employee Cards at no cost
- Expanded Buying Power
- No annual fee
- Foreign Transaction Fee
The Blue Business Cash Card from American Express is an excellent choice for the small business owner who prefers cash back over American Express’s Membership Rewards points. While the sign up bonus is not as sizable as some other small business credit cards, although it does provide you more time to hit the sign up bonus. The Blue Business Cash Card from American Express offers small business owners a decent sign up offer coupled with a standard cash back rate, which makes it an excellent choice for a small business owner seeking cash back over MR points.
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Capital One Credit Cards
Platinum Credit Card from Capital One®
- Get acces to a higher credit line after making your first 5 payments on time
- Upgrade path to Capital One Quicksilver
- Great for low or no credit score
- No annual fee
- No rewards points or cashback
- High variable APR
The Platinum Credit Card from Capital One® is an easy to apply for beginning credit card. While it offers no rewards points or cashback percent the Platinum Credit Card from Capital One® does offer users a higher credit limit after the first five monthly payments on time, which is a crucial feature for someone trying to quickly build their credit.
Quicksilver® from Capital One®
- 1.5% cash back on all purchases
- Earn $150 cash bonus after $500 spent in first 3 months
- 0% APR for first 15 months
- No foreign transaction fees
- No annual fee
The Quicksilver® from Capital One® is a good fallback card to always have in your wallet to get a small boost over a general 1% cash back card. This is an especially great card to apply for when you don’t qualify for the Chase Freedom Unlimited because of Chase’s 5/24 rule. The Quicksilver® credit card from Capital One® offers a very middle of the road sign up bonus but an above average 0% intro APR term, making it a good choice for someone who want’s to boost their general cash back earnings in non category bound spending.
SavorOne® Rewards from Capital One®
- 3% cash back on dining and entertainment
- 2% cash back at grocery stores
- 1% cash back on all other purchases
- Earn $150 cash bonus after $500 spent in first 3 months
- 0% APR for first 15 months
- No foreign transaction fees
- No annual fee
The SavorOne® Rewards from Capital One® is an excellent choice if dining or entertainment are major spending categories for you and you are after cash back redemption. However for the optimizer this card’s offerings can easily be topped by cards such as the Wells Fargo Propel Card. We would only recommend the SavorOne® Rewards from Capital One® if you spend lots in the generically named entertainment category, but if that’s not the case there are better cards on the market for you.
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Chase Credit Cards
Chase Personal Credit Cards
Chase Freedom® Credit Card
- 5% Cash Back on up to $1,500 spent on new categories every 3 months
- 1% Cash Back on all other purchases
- Earn $200 cashback after $500 spent in first 3 months
- 0% Intro APR for first 15 months
- Can hold onto rewards and transfer them into Chase Ultimate Rewards points with the Sapphire cards
- Upgrade path to Chase Sapphire Preferred® credit card
- No annual fee
- 3% Foreign Transaction Fee
The Chase Freedom® Credit Card offers a high yield rotating category that helps optimizers get an extra boost to their earnings each quarter. This card can either be held onto as part of the Chase Trifecta, or it can be upgraded to the products in the Sapphire line. and it’s rewards can be saved until you redeem them in the Chase Ultimate Rewards ecosystem if you hold a Sapphire or Ink Business Preferred credit card. With no annual fee and a generous, easily achievable sign up offer the Chase Freedom® Credit Card is a great addition to users who want to optimize their earnings.
Chase Sapphire Reserve
- 5% Cash Back on up to $1,500 spent on new categories every 3 months
- 1% Cash Back on all other purchases
- Earn $200 cashback after $500 spent in first 3 months
- 0% Intro APR for first 15 months
- Can hold onto rewards and transfer them into Chase Ultimate Rewards points with the Sapphire cards
- Upgrade path to Chase Sapphire Preferred® credit card
- No annual fee
- 3% Foreign Transaction Fee
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Chase Business Credit Cards
Ink Business Cash credit card
- 5% Cash Back on the first $25,000 spent annually at office supply stores, internet, cable, and phone services
- 2% Cash Back on the first $25,000 spent annually at gas stations and restaurants
- 1% Cash Back on all other purchases
- Earn $500 cash back after $3,000 spent in first 3 months
- 0% Intro APR for first 12 months
- Can transfer rewards earned to Ink Preferred® or Sapphire cards for greater redemption value
- Upgrade path to Chase Ink Preferred® credit card
- No annual fee
The Ink Business Cash credit card from Chase is an excellent choice for a small business owner who does a significant amount of spending on office supply stores, internet, cable, & phone providers, gas or restaurants. Offering a sign up bonus that matches the Ink Business Unlimited credit card, this card boasts a higher cash back percentage, but for the time being is not a part of the Chase Refer-a-Friend program. The Chase Ink Business Cash credit card is an ideal choice for a small business owner who wants to give employees cards for their business related gas and restaurant expenses.
Ink Business Unlimited credit card
- 1.5% Cash Back on every purchase
- Earn $500 cash back after $3,000 spent in first 3 months
- Earn up to $750 a year by referring other businesses
- 0% Intro APR for first 12 months
- Can transfer rewards earned to Ink Preferred® or Sapphire cards for greater redemption value
- Upgrade path to Chase Ink Preferred® credit card
- No annual fee
The Chase Ink Business Unlimited credit card is an excellent choice for small business owners who want a standard cash back rate on every purchase. Offering a $500 cash back bonus after $3,000 spent, this card can help offset some of your small business start up costs, and give you more time to pay for it, with a year of 0% APR. The Ink Business Unlimited credit card from Chase is an excellent choice for any small business owner looking to get an everyday cash back rate and a generous sign up bonus offer.
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Discover Credit Cards
Discover it® Chrome Gas & Restaurants
- 2% Cash back on up $1,000 combined gas and restaurant purchases a quarter
- 1% cash back on all other purchases
- Cashback Match for the first year
- Student Card gets $20 statement credit per year for up to five years for a GPA of 3.0 or higher
- No Foreign Transaction Fee
- Credit monitoring resources with your FICO® Credit Score
- No annual fee
The Discover it® Chrome Gas & Restaurants card is an excellent choice for students looking for their first cashback rewards credit card. Offering a unique statement credit bonus for students who maintain good grades, this card should be serously considered by any beginning credit applicants.
Discover it® Cash Back
- 5% Cash Back on up to $1,500 spent on new categories every 3 months
- 1% cash back on all other purchases
- Cashback Match for the first year
- Student Card gets $20 statement credit per year for up to five years for a GPA of 3.0 or higher
- No Foreign Transaction Fee
- Credit monitoring resources with your FICO® Credit Score
- No annual fee
The Discover it® Cash Back card is a good choice for people looking for their first rotating category rewards credit card. Offering a unique statement credit bonus for students who maintain good grades, this card should be seriously considered by any beginning credit applicants. With cash back match for the first year the rotating categories are potentially 10% cash back, making the Discover it® Cash Back credit card a great choice for those seeking high percent rotating quarterly categories.
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US Bank Credit Cards
U.S. Bank Cash+™ Visa Signature® Card
- 5% Cash back on first $2,000 spent each quarter in two choice categories
- 2% Cash back on either gas, grocery stores, or restaurants
- 1% Cash back on all other purchases
- Earn $150 Cash back after $500 spent in first 3 months
- 0% APR for first 12 months
- No annual fee
- 3% Foreign Transaction Fee
The U.S. Bank Cash+™ Visa Signature® Card is a high percent cash back card that allows the card holder to select two categories to earn 5% cash back in. The other 2% category is only one of gas, groceries, or restaurant, making many other options more desirable for these categories. I would recommend looking at their 5% choice categories and if you see some of your biggest spending categories then the U.S. Bank Cash+™ Visa Signature® Card might be right for you.
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Wells Fargo Credit Cards
Wells Fargo Propel American Express® Card
- 3x Go Far Rewards points on travel, dining, gas stations, and select streaming services
- 1x Go Far Rewards point on all other purchases
- Earn 20,000 bonus points after $1,000 spent in first 3 months
- Go Far Rewards Points can be transfered to and redeemed with the Wells Fago Signature Card for 1.5¢ on the travel portal
- Go Far Rewards Points have a cashback redemtion value of 1¢ per point
- Cell Phone Protection when you pay your phone bill with the card
- No Foreign Transaction Fee
- 0% APR for first 12 months
- No annual fee
The Wells Fargo Propel American Express® Card is a go to card for almost every user. When points are earned on this card then transferred to the Wells Fargo Signature Card users get a 4.5% earnings rate in several major spending categories. If you plan on staying at more Airbnbs than hotels while traveling, then this card’s rewards are nearly unbeatable. We highly recommend the Wells Fargo Propel American Express® Card, as it is a valuable core card in many user’s wallets.