Card-by-Card Comparison

Overwhelmed by how many options for credit cards there are? Here they are at a glance, with the benefits for signing up, and you can head to the specific credit card’s page to read more about them.

Chase Ink Bold Cardchaseinkbold
Annual fee: waived the first year, then $95
Interest rates: none, as it’s a charge card
Benefits:
-No foreign transaction fees
-50,000 point bonus when you spend $5,000 in the first 3 months
-5x points on “business expenses” for the first $50,000
-1:1 points transfer and 20% on travel redemptions

Citi Platinum Select AAdvantage Cardcit aadvantage platinum visa
Annual fee: waived the first year, then $95
Interest rates: 15.24% Purchase APR (variable)
Benefits:
-Travel perks like a free checked bag, concierge service, and priority boarding
-Earn 30,000 miles when you spend $1,000 in the first 3 months
-Double miles when American Airlines purchases

PenFed Premium Travel Rewardspenfed premium travel rewards
Annual fee: None!
Interest rates: 13.99% APR, 2.99% on balance transfers for the first 12 months, then the purchase rate
Benefits:
-No foreign transaction fees
-20,000 point bonus when you spend $650 in the first 3 months
-5 points for every dollar you spend on air travel

AmEx Platinumamerican express platinum
Annual fee: $450
Interest rates: None, as it’s a charge card
Benefits:
-No foreign transaction fees
-Earn 25,000 Membership Rewards points when you spend $2,000 in the first 3 months
-Complimentary access to airport lounges around the world
-24/7 concierge service

Citi Preferred Rewards ThankYouciti thankyou preferred
Annual fee: None!
Interest rates: 0% Purchase APR and Balance Transfer APR for the first 12 months; then 12.99%-22.99% based on creditworthiness
Benefits:
-Earn 10,000 ThankYou points when you spend $500 in the first 3 months
-1 ThankYou point per dollar and points don’t expire

Capital One Venture Rewardscapital one venture rewards
Annual fee: waived the first year, then $59
Interest rates: none, as it’s a charge card
Benefits:
-No foreign transaction fees
-Earn 10,000 point bonus when you spend $1,000 in the first 3 months
-Double miles on every purchase (with no limit to how many you can earn, and they don’t expire!)
-Redeem miles for flights on any airline, anytime, with no restrictions

AmEx Business Gold Rewardsamerican express gold
Annual fee: waived the first year, then $175
Interest rates: none, as it’s a charge card
Benefits:
-Earn triple points on airfare and double points on gas and selected media
-1 point for every dollar on other purchases

 

Chase Sapphire and Preferred Sapphirechase preferred sapphire
Annual fee: Always $0 for the Sapphire and waived the first year of the Preferred, then $95
Interest rates: 15.24% Variable
Benefits:
-No foreign transaction fees with the Preferred
-With the Sapphire, earn 10,000 points when you spend $500 in the first 3 months; with the Preferred, earn 40,000 points when you spend $3,000 in the first 3 months
-With the Preferred, earn 2 points for every dollar you spend on dining and travel
-1:1 points transfer on major airlines like Continental and British Airways

starwood preferred american expressStarwood Preferred Guest American Express
Annual fee: waived the first year, then $65
Interest rates: 15.24%-19.24% Variable
Benefits:
-Earn 10,000 points when you open the card, and 15,000 points when you spend $5,000 in the first 6 months
-Redeem points at thousands of hotels around the world and for flights on 350 airlines, with no blackout dates
-1 Starpoint for every dollar you spend