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3. Macy’s Credit Cards

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reviews

 

Rating: 0 out of 5.

Annual Fee: $0

The average credit score for members who have matched with this card or similar cards is 696

The average credit limit for members who have matched with this card or similar cards is $2,098

Here’s the average credit limit of members who matched their Macy’s Credit Cards or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $2,098, with $600 being the most common.

Here’s the average credit score of members who matched their Macy’s Credit Cards or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 696, with 819 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

31.3%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

53 years

Average age of members who matched this card or similar cards.

$97,211

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

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3. Capital One Venture Rewards Credit Card review: A strong pick for simple travel rewards

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reviews

4.3

Rating: 4.3 out of 5.

Editors’ Take: The Capital One Venture Rewards Credit Card offers a high rewards rate on all purchases and straightforward redemptions. It’s a great choice for those who want travel rewards without complicated schemes and systems.

Great for high flat-rate travel rewards

Annual Fee: $95

The average credit score for members who have matched with this card or similar cards is 715

The average credit limit for members who have matched with this card or similar cards is $16,173

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Capital One Venture Rewards Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $16,173, with $5,000 being the most common.

Here’s the average credit score of members who matched their Capital One Venture Rewards Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 715, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

25.2%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

42 years

Average age of members who matched this card or similar cards.

$117,626

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Big sign-up bonus can help you cover the cost of your next trip

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Straightforward rewards program is easy to use
Earn miles on every purchase

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Global Entry or TSA PreCheck application fee credit

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Annual fee could eat into rewards for cardholders who don’t spend much

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Airline transfer partners leave a lot to be desired

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Other travel rewards programs offer more bang for your buck

Is the Capital One Venture Rewards Credit Card Credit Card worth it?

Editors’ Take: The Capital One Venture Rewards Credit Card offers a high rewards rate on all purchases and straightforward redemptions. It’s a great choice for those who want travel rewards without complicated schemes and systems.

The Capital One Venture Rewards Credit Card is a good fit for people who want to earn simple travel rewards for everyday purchases without shelling out for a massive annual fee.

You won’t receive some of the noteworthy benefits that more expensive premium rewards cards might offer, such as lounge access, but you’ll have the opportunity to earn lots of ongoing value.

Capital One Venture Rewards Credit Card at a glance

• Sign-up bonus: $250 to use on Capital One Travel in your first cardholder year, plus 75,000 miles after spending $4,000 on purchases during the first 3 months from account opening
• Editors’ estimated welcome bonus value: $818
• Standout benefit: Get up to a $120 credit for Global Entry or TSA PreCheck
• Standout rewards rate: 2 miles per $1 spent on every purchase
• Foreign transaction fee: None

Capital One Venture Rewards Credit Card best perks and features

Rewards could help pay for your next trip

The Capital One Venture Rewards Credit Card has a solid sign-up bonus of $250 to use on Capital One Travel in your first cardholder year, plus 75,000 miles after you spend $4,000 on purchases during your first 3 months after opening the account.

That’s equal to $1,000 worth of travel when you redeem through the Capital One portal.

You’ll also be able to earn miles for future purchases:

• 5 miles for every $1 spent on hotels and vacation rentals booked through Capital One Travel
• 5 miles for every $1 spent on rental cars booked through Capital One Travel
• 2 miles for every $1 spent on all other purchases

Straightforward rewards program is easy to use

The Capital One Venture Rewards Credit Card offers one of the most effortless rewards programs around.

If you prefer simplicity, you’ll appreciate that you don’t have to spend time planning out your purchases to maximize your rewards — just pay with your card to earn a high flat rate on everyday purchases.

Redeeming your miles is just as simple. You can book your trip through Capital One’s website or make your travel purchases first and then go back and ask to be reimbursed with a statement credit within 90 days of your purchase.

Travel perks could make a more pleasant trip

The Capital One Venture Rewards Credit Card offers perks that could make for a smoother travel experience.

For example, you’ll receive a statement credit up to $120 when you apply for Global Entry or TSA PreCheck.

You’ll also receive a $50 experience credit every time you book a stay with Lifestyle Collection vacation rentals.

What are the drawbacks of the Capital One Venture Rewards Credit Card?

The perks don’t clearly cover the fee

The Capital One Venture Rewards Credit Card doesn’t have as many perks as some other travel cards with similar fees. That means there’s no clear way to get value for the $95 annual fee without spending.

That’s fine, but you need to know that going in and accept that the value comes from spending.

Limited range of transfer partners

The Capital One Venture Rewards Credit Card has a number of transfer partners — but unfortunately, there are no U.S. airlines to choose from. Unlike some programs with transfer partners, you’ll only be able to transfer your points to international-based airlines.

Still, compared to redeeming through Capital One, you might be able to get much better value by transferring your miles to a partner to travel internationally. But depending on your travel experience, it might require you to go outside of your comfort zone.

How to redeem miles for Capital One Venture rewards

Capital One Venture rewards miles are best used toward travel.

We calculated that your miles are worth 1 cent each when redeemed through Capital One.

But you might get a better value if you redeem through a Capital One transfer partner. Depending on how you redeem, we estimate points to be worth 1.09 cents each for typical cardholders, based on Credit Karma’s standard point valuations.

Other cards to consider

• Capital One Venture X Rewards Credit Card: This card is good for travelers who want more benefits and rewards for using their card to book flights.
• Capital One Savor Cash Rewards Credit Card: This card is a nice complimentary one for people who also want to earn rewards at restaurants and grocery stores.
• Capital One VentureOne Rewards Credit Card: This card may be a good option for frequent flyers who don’t want to be locked into one particular airline.

FAQs about the Capital One Venture Rewards Credit Card

This offer is no longer available on our site: Bank of America® Premium Rewards® credit card

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3. American Express Platinum Card® review: An expensive but valuable coupon book

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member reviews

3.9

Rating: 3.9 out of 5.

Editors’ take: The seemingly endless list of benefits makes the American Express Platinum Card® the coupon book of credit cards. If you use enough of the perks, you’ll get unparalleled value, even with the high annual fee.

Image: hands-thumbs-up

Great for maximizing your credits and perks

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Annual fee: $895

The average credit score for members who have matched with this card or similar cards is 713

The average credit limit for members who have matched with this card or similar cards is $15,199

Explore more about this card:

• Pros and cons
• In-depth Editorial review

Here’s the average credit limit of members who matched their American Express Platinum Card® or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $15,199, with $5,000 being the most common. The American Express Platinum Card® does not have a traditional credit limit and was compared to similar premium cards.

Here’s the average credit score of members who matched their American Express Platinum Card® or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 713, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

Image: low-utilization

25.7%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

The American Express Platinum Card® does not have a traditional credit limit; utilization for this card is not calculated the same as cards with credit limits.

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42 years

Average age of members who matched this card or similar cards.

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$115,431

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Big welcome bonus

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Plenty of interesting travel and lifestyle credits

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Lots of airline and hotel transfer partners

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Expensive annual fee

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Statement credits come with strings attached

American Express Platinum Card® review

Updated February 13, 2026

This date may not reflect recent changes in individual terms.

Written by: Tim Devaney

Is the American Express Platinum Card® worth it?

Editors’ Take: The seemingly endless list of benefits makes the American Express Platinum Card® the coupon book of credit cards. If you use enough of the perks, you’ll get unparalleled value, even with the high annual fee.

The American Express Platinum Card® is designed for big spenders who aren’t afraid to pay more to get more.

If you can claim many of the travel and lifestyle credits, this card could be a great deal, even with its annual fee of $895.

The American Express Platinum Card® also may be a good fit if you make enough travel purchases each year to help offset the annual fee or want extra perks like premium lounge access.

American Express Platinum Card® at a glance

• Annual fee: $895
• Welcome bonus: As high as 175,000 points after spending $12,000 on purchases in the first 6 months from account opening (you might see different offers on Credit Karma or through Amex). You must apply before finding out the welcome bonus you’ll be offered. Welcome offers vary, and you may not be eligible for an offer.
• Editors’ estimated welcome bonus value: $1,995
• Standout benefit: Access to The Centurion Lounge network and other lounges through the Global Lounge Collection
• Standout rewards rate: 5 points per $1 on flights booked directly through airlines or through the American Express travel portal (on up to $500,000 spent per calendar year and then 1 point per $1)

American Express Platinum Card® best perks and features

A strong welcome bonus

The American Express Platinum Card® has a generous welcome bonus. The bonus may be as high as 175,000 points after spending $12,000 on purchases in the first 6 months from account opening, though the offers you may see can vary.

That can make a big dent when you book your next trip.

More rewards when you travel

The American Express Platinum Card® features top-notch travel rewards. You’ll earn …

• 5 points per $1 on flights booked directly through airlines or the American Express travel portal (on up to $500,000 spent per calendar year, then 1 point per $1)
• 5 points per $1 on prepaid hotels booked with American Express Travel®
• 1 point per $1 on all other eligible purchases

Enjoy world-class lounges

The American Express Platinum Card® comes with complimentary access to lounges around the world through the Global Lounge Collection.

The Global Lounge Collection is a consortium of airport lounges that includes The Centurion Lounge, Priority Pass™ Select (enrollment required), Lufthansa, Air Space Lounge, Escape Lounges and others.

If you like to relax in luxury while traveling, this benefit stands out.

More travel credits than you probably need

The American Express Platinum Card® offers so many travel credits you might have a hard time using them all. Here are a few we recommend.

• Airline fee statement credit: You’ll get up to $200 each year in statement credits to pay for items like checked bags and in-flight food and drinks. Keep in mind that you will need to select just one airline and activate this benefit, and enrollment is required.
• Airport security fee credits: You’ll get reimbursed for airline security programs when you apply using the American Express Platinum Card®. Use your card to pay for annual Clear®+ membership ($209, enrollment required), Global Entry ($120 statement credit every four years), or TSA PreCheck (up to $85 every four and a half years). These perks can speed up your travel.
• Hotel credit: Receive a credit of up to $600 each year on qualifying prepaid reservations of two nights or more at Fine Hotels + Resorts® and The Hotel Collection.

Lifestyle credits make it more than just another travel card

The American Express Platinum Card® is a luxury travel card, but it also offers some lifestyle perks.

• Uber credit: Get up to $200 each year on rides or food delivery orders when you pay with your card. That breaks down to $15 each month in credits — and $20 in credits for December.
• Digital entertainment credit: You’ll get up to $300 each year to spend on Disney+, ESPN+, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium and YouTube TV. Keep in mind you’ll need to enroll to activate this benefit.
• Walmart+ monthly membership: You’ll receive a statement credit of up to $12.95 per month for membership to Walmart+ when you enroll and pay with your card. That can help you access free shipping on eligible purchases.
• Saks shopping credit: Get up to $100 each year — $50 semi-annually — in statement credits for purchases made at Saks Fifth Avenue when you enroll.

What are the drawbacks of American Express Platinum Card®?

Expensive annual fee

The American Express Platinum Card® charges an exceptionally high $895 annual fee that could drive away would-be cardholders.

Calculate how many credits you’ll use in a typical year and how much you plan to spend on eligible travel purchases to determine if the annual cost makes sense for you. Certain perks — like lounge access — could make the annual fee worthwhile depending on your preferences and budget.

Statement credits come with strings attached

The American Express Platinum Card® offers plenty of statement credits, but most of them come with limitations — making it more difficult to get the most out of these travel and lifestyle credits without active management.

For example …

• You can’t use the $200 airline fee credit to purchase a ticket.
• The hotel credit can only be used at two preapproved hotel collections, which you might not typically visit.
• The Uber and Saks credits are issued on a semi-regular basis with eligible spend limited to specific timeframes. So if you don’t spend at these places regularly, you might end up making purchases you don’t need to justify using the credit.

How to redeem American Express Membership Rewards® points

You can redeem your American Express Membership Rewards® points for travel, statement credits, shopping, gift cards and charitable donations. But these aren’t your only options.

American Express operates what’s known as a “flexible rewards program,” which means you can transfer your points to airline and hotel partners (enrollment in participating frequent flyer program may be required). In some cases, you might get more value for your points if you do this.

We calculated your points are worth 1 cent each when redeemed through American Express Membership Rewards. But you might get a better value if you redeem through an American Express transfer partner.

Depending on how you redeem, we estimate your points to be worth 1.14 cents each, based on Credit Karma’s standard point valuations.

Other cards to consider

• Bank of America® Premium Rewards® credit card: This premium travel card has a lot of perks and travel credits that are easier to use.
• American Express® Gold Card: This luxury travel card is a great if you spend a lot dining out or purchasing groceries.
• Capital One Venture X Rewards Credit Card: This card is another good choice for people who want lounge access and travel credits.

FAQs about the American Express Platinum Card®

*Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the card shown, or whether you meet certain criteria determined by the lender. Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don’t meet the lender’s “ability to pay standard” after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

This offer is no longer available on our site: Ink Business Preferred® Credit Card

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3. Chase Sapphire Reserve® review: One of the most valuable travel rewards cards

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reviews

4.1

Rating: 4.1 out of 5.

Editors’ take: Chase Sapphire Reserve® is a top-tier travel rewards card offering extensive perks like a generous travel credit and complimentary subscriptions. But the high annual fee requires you to plan how you’ll find value.

Great for maximizing flexible travel

Annual Fee: $795

The average credit score for members who have matched with this card or similar cards is 715

The average credit limit for members who have matched with this card or similar cards is $16,173

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Chase Sapphire Reserve® or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $16,173, with $5,000 being the most common.

Here’s the average credit score of members who matched their Chase Sapphire Reserve® or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 715, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

25.2%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

42 years

Average age of members who matched this card or similar cards.

$117,626

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Big sign-up bonus

Image: yes

Flexible travel credit

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Competitive travel and dining rewards

Image: Con

High annual fee

Image: Con

Bonus rewards rate on travel only kicks in after travel credit has been used

Is the Chase Sapphire Reserve® worth it?

Editors’ Take: Chase Sapphire Reserve® is a top-tier travel rewards card offering extensive perks like a generous travel credit and complimentary subscriptions. But the high annual fee requires you to plan how you’ll find value.

The Chase Sapphire Reserve® is geared toward frequent travelers who want to be pampered with points and perks that make trips more rewarding.

But the high annual fee means you’ll want to consider just how much value you’ll get from all its perks. 

To get the most benefit from the Chase Sapphire Reserve®, you’ll want to take advantage of the travel and lifestyle credits, as well as the Priority Pass™ Select membership and application credits for programs like TSA PreCheck® that will shorten your time at airport security.

Chase Sapphire Reserve® at a glance

• Annual fee: $795
• Sign-up bonus: 125,000 bonus points after you spend $6,000 on purchases during the first 3 months after opening the account
• Editors’ estimated welcome bonus value: $1,450
• Standout benefit: $300 annual travel credit
• Standout rewards rate: 8 points per $1 spent on Chase Travel℠ purchases (after annual travel credit is earned)

Chase Sapphire Reserve® best perks and features

Valuable sign-up bonus

You’ll earn 125,000 bonus points when you spend $6,000 on purchases during the first 3 months after opening the account.

If you transfer your sign-up bonus points to one of Chase’s travel partners, our editors estimate the points bonus could be around $1,450 for typical cardholders.

$300 travel credit

The Chase Sapphire Reserve® features a flexible travel credit of up to $300 that you can use each card anniversary year to pay for flights, hotels, and other eligible travel expenses.

The benefit is applied automatically as a statement credit, so you don’t have to apply for reimbursement. If you travel regularly, this credit alone creates substantial value toward justifying the card’s annual fee.

Competitive travel and dining rewards

The Chase Sapphire Reserve® offers strong reward for travel and dining. After reaching your $300 travel statement credit, you’ll earn …

• 8 points per $1 spent on purchases through Chase Travel
• 4 points per $1 spent on flights booked directly with airlines
• 4 points per $1 spent on hotels booked direct

Plus, you’ll earn …

• 3 points per $1 spent on dining purchases
• 1 point per $1 spent on other eligible purchases

You’ll also receive a complimentary DashPass membership valid for at least 12 months when you activate by Dec. 31, 2027. With DashPass, your delivery fee is waived on eligible orders that meet spending requirements. And you’ll get a $10 discount each calendar month on two eligible nonrestaurant orders on DoorDash.

Perks to smooth your travels

The Chase Sapphire Reserve® comes with a complimentary Priority Pass Select membership after one-time enrollment. This perk gives you and up to two guests access to more than 1,300 airport lounges around the world where you can relax while you’re waiting for your flight.

You’ll also get an application fee credit worth up to $120 every four years for Global Entry, NEXUS or TSA Precheck®. Those are perks we’d expect from a luxury travel card like the Chase Sapphire Reserve®.

The Chase Sapphire Reserve® offers a full slate of travel insurance.

This includes coverage for trip delay, trip cancellation, lost luggage and emergency evacuation if you’re injured during your vacation.

What are the drawbacks of the Chase Sapphire Reserve®?

High annual fee

The card’s $795 annual fee can be a tough pill to swallow. The flexible travel credit of up to $300 can help offset this cost, but it’s still one of the highest annual fees around.

Bonus rewards rate on travel only kicks in after travel credit has been used

The bonus points on travel purchases only apply after you’ve used the $300 travel statement credit. This means you need to spend a decent amount to start earning the higher rewards rate.

How to redeem for Chase Ultimate Rewards points 

You can redeem your Chase Sapphire Reserve® points for travel through Chase Travel.

You can also transfer your points 1-to-1 to several popular airline and hotel partners, where you might get more bang for your buck.

Other cards to consider

• Chase Sapphire Preferred® Card: This card is a good fit for budget-conscious travelers who don’t require as many airport perks.
• Ink Business Preferred® Credit Card: This card could be a better option for travelers with more business expenses than personal ones.
• American Express Platinum Card®: This premium card could be the choice for travelers seeking even more luxury.

FAQs about the Chase Sapphire Reserve®

This offer is no longer available on our site: Chase Freedom Flex®

1. Credit Cards
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3. Chase Freedom Unlimited® review: Worth a look for most consumers

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0

reviews

3.6

Rating: 3.6 out of 5.

Editors’ Take: With a mix of useful bonus categories and a solid rewards rate on all other purchases, Chase Freedom Unlimited® offers considerable potential value without requiring too much effort.

Great for maximizing cash back

Annual Fee: $0

The average credit score for members who have matched with this card or similar cards is 699

The average credit limit for members who have matched with this card or similar cards is $6,911

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Chase Freedom Unlimited® or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $6,911, with $500 being the most common.

Here’s the average credit score of members who matched their Chase Freedom Unlimited® or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 699, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

32%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

45 years

Average age of members who matched this card or similar cards.

$93,590

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Bonus categories offer the chance to maximize value

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Good rate on all other purchases allows for straightforward earning

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No annual fee to eat into rewards value

Image: Con

Foreign transaction fee could cost travelers

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Lacks long-term value in some bonus categories

3 things to know about the Chase Freedom Unlimited®

Editors’ Take: With a mix of useful bonus categories and a solid rewards rate on all other purchases, Chase Freedom Unlimited® offers considerable potential value without requiring too much effort.

1. Numerous ways to earn bonus rewards

The Chase Freedom Unlimited® has previously been a straightforward cash back credit card offering 1.5% back in rewards on all purchases. Now, though, it holds considerably more potential.

Cardholders can now also earn 5% back on travel purchased through Chase, 3% back on dining and 3% back on drugstore purchases. Plus, Chase still offers the same 1.5% back on all other purchases.

In other words, the Chase Freedom Unlimited® card added bonus rewards in several common spending categories without dropping the 1.5% rate that made it a recommended card in the past.

2. No annual fee

Like many of the best cash back credit cards, the Chase Freedom Unlimited® doesn’t charge an annual fee — so you don’t have that extra cost taking a bite out of the cash back you can earn.

3. Low intro APR on purchases and balance transfers

The Chase Freedom Unlimited® features an introductory 0% APR on purchases and balance transfers for the first 15 months after opening the account. After that, the APR for purchases and balance transfers climbs to a variable 18.24% - 27.74%. There’s a balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5% (minimum $5) thereafter.

This offer can help you cover any big or unexpected expenses, but keep in mind that unpaid balances remaining after the expiration of the intro period will accrue interest. Those interest payments will eat into the value of any rewards you earn from your purchases.

Other things to consider with the Chase Freedom Unlimited®

Here are a couple of other card features to keep in mind.

• You could earn up to $500 in referral bonuses. You’ll earn $50 cash back for every person you refer who is approved for the card.
• The Chase Freedom Unlimited® might not be the best credit card to bring on your next international trip because it charges a 3% foreign transaction fee.

Understanding your points and redemption options

The points you earn from the Chase Freedom Unlimited® are worth 1 cent each.

The simplest way to redeem your points is through Chase Ultimate Rewards for cash back, travel or gift cards. You can also use them to pay for purchases you make on Amazon.com.

You can learn more about how this process works and other rewards options in our guide to the Chase Ultimate Rewards program.

Who this card is good for

The bonus categories and 1.5% rewards rate on most purchases with the Chase Freedom Unlimited® make it one of the best cash back cards on the market for many different kinds of consumers.

While not everyone will get the same value out of the bonus rewards rates on travel and dining, the 1.5% rate on most purchases is comparable to that of several notable flat-rate cash back cards that don’t include any bonus categories.

Cardholders who like to maximize rewards value across a number of cards may need to look elsewhere for long-term value on categories like groceries, but the Chase Freedom Unlimited® is worth a look for anyone who wants to maximize cash back value without putting in too much effort.

Not sure this card is right for you? Consider these alternatives.

If you’re not sold on the Chase Freedom Unlimited®, you might be interested in one of these other cash back credit cards.

• Chase Freedom Flex®: This card offers similar bonus categories with a bit more variety in cash back opportunities.
• Citi Double Cash® Card: If you don’t want to consider too many bonus categories, this card’s rewards might appeal to you more.
• Capital One Savor Cash Rewards Credit Card: This card features ongoing value from both groceries and dining purchases.

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3. BankAmericard® credit card review: Great for saving on interest

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reviews

2.4

Rating: 2.4 out of 5.

Editors’ Take: A strong intro APR offer for purchases and balance transfers make the BankAmericard® credit card great for managing interest costs, and the low intro balance transfer fee will save you money upfront compared to many leading alternatives.

Great for simplifying your debt

Annual Fee: $0

The average credit score for members who have matched with this card or similar cards is 718

The average credit limit for members who have matched with this card or similar cards is $10,366

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their BankAmericard® credit card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $10,366, with $500 being the most common.

Here’s the average credit score of members who matched their BankAmericard® credit card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 718, with 820 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

27.6%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

50 years

Average age of members who matched this card or similar cards.

$105,293

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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0% intro APR offer on purchases and balance transfers

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No annual fee

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No penalty APR

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No rewards program

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Ongoing APR for purchases and balance transfers after the promotion can be high

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3. Credit One Bank® Platinum Visa® for Rebuilding Credit review

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4

reviews

3.6

Rating: 3.6 out of 5.

Editors’ Take: The annual fee and purchase APR on the Credit One Bank® Platinum Visa® for Rebuilding Credit are high, but the cash-back rewards and unsecured credit are notable positives.

Great for automatic credit limit increases

Annual Fee: $75 for the first year, $99 thereafter (billed at $8.25 per month)

The average credit score for members who have matched with this card or similar cards is 556

The average credit limit for members who have matched with this card or similar cards is $769

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Credit One Bank® Platinum Visa® for Rebuilding Credit or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $769, with $300 being the most common.

Here’s the average credit score of members who matched their Credit One Bank® Platinum Visa® for Rebuilding Credit or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 556, with 551 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

65.5%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

46 years

Average age of members who matched this card or similar cards.

$74,090

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Ability to earn to cash back

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Automatic credit line increase reviews

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No security deposit required

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High annual fee

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Potentially low credit limit

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Only one cash back redemption option (statement credit)

What you need to know about the Credit One Bank® Platinum Visa® for Rebuilding Credit

Editors’ Take: The annual fee and purchase APR on the Credit One Bank® Platinum Visa® for Rebuilding Credit are high, but the cash-back rewards and unsecured credit are notable positives.

If you don’t have great credit, qualifying for traditional credit cards can be tricky, and you may have to start with a secured credit card — which requires a security deposit. But if you don’t want to put down a deposit, the unsecured Credit One Bank® Platinum Visa® for Rebuilding Credit may be a useful alternative — even though it comes with a steep annual fee.

If you’re thinking of applying for this card, here’s what you should know about it first.

You can earn cash back

Credit cards for poor credit or no credit are typically very basic, without significant rewards or added benefits, especially when compared with other cards. But with the Credit One Bank® Platinum Visa® for Rebuilding Credit, you can earn 1% cash back on eligible gas, grocery, mobile phone, internet, cable and satellite TV purchases. The cash back you earn is automatically applied as a statement credit.

This rate is on the low end as far as cash back cards are concerned. But many credit-builder cards don’t even offer rewards, so the Credit One Bank® Platinum Visa® for Rebuilding Credit is a good option for people that want the ability to earn with every purchase. Just be careful not to overspend in order to get the rewards.

Cash back is automatically applied as a statement credit

If you like to keep things simple, receiving your cash back as a statement credit makes things easy. But compared to other rewards cards that may allow you to redeem your points for things like airline miles, merchandise and gift cards, this singular option is quite limiting.

You’re automatically considered for credit line increases

The Credit One Bank® Platinum Visa® for Rebuilding Credit card’s minimum credit line is $300 (you may see different terms on Credit Karma). This is a fairly low credit line — and it could limit your spending power. But Credit One says that it periodically reviews your account activity and automatically considers you for a credit limit raise, based on your “overall credit performance.” The bank doesn’t specify exactly what it’s looking for, but consistently paying your credit card bill on time and in full is likely a good way to demonstrate that you’re ready for a credit limit raise.

When trying to establish credit, your credit card utilization is an important part of building a positive credit history, and it’s generally a good idea to keep your balances low. A good rule of thumb is to keep your credit usage under 30% — so if you have a $300 credit limit, try not to carry a balance of more than $100. And ideally, you’d want to pay off your bill in full every cycle to avoid racking up interest charges.

Though you’ll have to be thoughtful about how you’re using the card with such a low credit line, Credit One raising your credit limit in time can have a positive effect on your credit utilization rate and overall credit health.

High annual fee

It’s not uncommon for unsecured credit-building cards to have high fees, and the Credit One Bank® Platinum Visa® for Rebuilding Credit is no exception.

The annual fee is $75 for the first year, $99 thereafter (billed at $8.25 per month) (you might see different terms on Credit Karma). The first year’s annual fee is deducted from your credit limit. After the first year, the fee is billed at $8.25 a month (you might see different terms on Credit Karma).

Ability to prequalify

You can use Credit One’s prequalification option to find out if you’re eligible for the Credit One Bank® Platinum Visa® for Rebuilding Credit without affecting your credit. Just keep in mind that if you decide to move forward with your application after you prequalify, there will be a hard credit check as part of the full application process, which can drop your credit scores by a few points.

What else you need to know about the Credit One Bank® Platinum Visa® for Rebuilding Credit

If you aren’t sure if the Credit One Bank® Platinum Visa® for Rebuilding Credit card is right for you, here are some additional factors to consider.

• Credit reporting — Credit One reports your activity to the three major credit bureaus monthly.
• Fees — If you use the card for a cash advance, expect to pay a fee of 8% (minimum $5). You’ll also be charged a 3% (minimum $1) foreign transaction fee for using the card overseas and a fee of up to $39 if you pay your bill late or a payment is returned.
• Credit score access — When you become a cardholder, you get free online access to your Experian credit score.
• Fraud liability protection — The Credit One Bank® Platinum Visa® for Rebuilding Credit is backed by $0 fraud liability protection, so you aren’t responsible for unauthorized charges.

Who this card is good for

The Credit One Bank® Platinum Visa® for Rebuilding Credit is specifically designed for people building credit. So it might be a good fit if you’re new to credit or working on rebuilding your credit — especially if you want to earn some rewards for your spending.

Since Credit One reports your activity to the major credit bureaus, you can improve your credit if you’re careful about the way you use your card. Over time, you could potentially even qualify for other forms of credit, including other cards with stronger rewards programs and credit cards with no annual fees.

But if you don’t qualify for this card, you may have to consider applying for a card that requires a security deposit or another card that doesn’t require a credit check to qualify.

Not sure this is the card for you? Consider these alternatives.

Here are a couple of other cards to consider as alternatives to the Credit One Bank® Platinum Visa® for Rebuilding Credit.

• Capital One Quicksilver Secured Cash Rewards Credit Card: This secured card allows cardholders to earn cash back on every purchase.
• Capital One Platinum Credit Card: If you want an unsecured card, this Capital One card geared toward folks working on their credit could be a good fit.

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3. Capital One Platinum Secured Credit Card review: An opportunity to build or improve your credit health

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0

reviews

4.1

Rating: 4.1 out of 5.

Editors’ Take: The Capital One Platinum Secured Credit Card‘s starting credit limit is low, but there’s the potential to put down a low security deposit and the chance to upgrade to an unsecured card with on-time payments.

Great for a lower security deposit

Annual Fee: $0

The average credit score for members who have matched with this card or similar cards is 611

The average credit limit for members who have matched with this card or similar cards is $2,580

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Capital One Platinum Secured Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $2,580, with $300 being the most common.

Here’s the average credit score of members who matched their Capital One Platinum Secured Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 611, with 570 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

48%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

41 years

Average age of members who matched this card or similar cards.

$69,110

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Potential for a low security deposit

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Ability to earn back your security deposit

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Automatic credit line review in as few as six months

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All cardholders receive the same low initial credit limit

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High purchase APR

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No rewards

Capital One Platinum Secured Credit Card: What you need to know

Editors’ Take: The Capital One Platinum Secured Credit Card‘s starting credit limit is low, but there’s the potential to put down a low security deposit and the chance to upgrade to an unsecured card with on-time payments.

The Capital One Platinum Secured Credit Card is one of the top options for people who want to rebuild their credit history or establish a positive credit file. Capital One reports to the three major credit bureaus — Equifax, Experian and TransUnion — meaning you can help build your credit by making payments on time and in full and keeping your credit utilization low.

Before you apply for the card, here are some of its core features to know.

Potential for a low security deposit

Like other secured credit cards, the Capital One Platinum Secured Credit Card requires a refundable security deposit to open your account, which isn’t ideal for many people.

But this card stands out because it offers cardholders the chance to get an initial credit line of at least $200 for a minimum security deposit of $49, $99 or $200. With other cards, your credit limit often equals the amount of your deposit.

The chance for a lower deposit depends on your credit health, though, so there’s no guarantee you’ll qualify for a lower one.

Ability to earn back your security deposit

Capital One also offers the chance to refund your deposit without requiring you to close the account. The issuer notes that using your card “responsibly” — which often means making on-time payments — can boost your odds of getting your money back in the form of a statement credit, converting the card into an unsecured credit card. Consider setting up autopay on your account to help make sure you make your payments on time.

Low initial credit limit

While your security deposit may end up being lower than you’d have to pay with other secured cards, your credit limit may be lower than with other secured cards, too. The initial credit line for the Capital One Platinum Secured Credit Card is at least $200 — though you can increase your limit to up to $1,000 by making an additional deposit before activating your card.

Automatic credit line reviews

In as few as six months after you get the card, Capital One may start reviewing your account to determine whether you qualify for a higher credit limit, based on your payment history and credit. If you do, you won’t need to put up more deposit money to get it, making your card partially unsecured.

These automatic credit line reviews are a standout feature of the Capital One Platinum Secured Credit Card. With many secured card issuers, you need to request a credit limit increase or make a larger security deposit to get a higher credit limit.

High interest rate for purchases

The Capital One Platinum Secured Credit Card doesn’t charge an annual fee or even a foreign transaction fee. But purchases carry a high 28.99% variable APR. If you want to avoid interest charges, make it a goal to pay off your balance on time and in full every month.

No ability to earn rewards

The Capital One Platinum Secured Credit Card doesn’t offer an opportunity to earn rewards such as cash back. This isn’t unusual — rewards aren’t usually standard on a secured credit card —but it’s worth knowing that some card issuers do offer them.

If you’d like to also earn some cash back as you build or rebuild your credit, expand your search a bit to find the right card for you.

What else you need to know about Capital One Platinum Secured Credit Card

Here are some other things you’ll want to keep in mind.

• Even though the Capital One Platinum Secured Credit Card is secured, not everyone will qualify.
• You can apply for preapproval on the Capital One website to see if you might qualify for the card. Just keep in mind that preapproval doesn’t guarantee that you’ll be approved.
• You won’t be charged a penalty APR if you miss a payment, but you could be hit with a late fee of up to $40.

Who this card is good for

The Capital One Platinum Secured Credit Card is designed to help people build or rebuild their credit. It’s bare-bones in terms of perks, but making on-time payments can set you up to get approved for better cards in the future.

The card is an especially good fit for someone who doesn’t want to tie up their security deposit money. With some other credit card issuers, you have to close your account to get your cash back. But closing a credit card account can have a negative impact on your credit scores, so having a card that can be converted to an unsecured card could be a better bet.

The Capital One Platinum Secured Credit Card may not be the card for you if you plan to carry a balance from month to month or want the ability to make a larger purchase on a secured card. The card’s interest rate is high, and the initial credit limit is lower than some other secured cards.

Not sure this is the card for you? Consider these alternatives.

If you aren’t sure whether the Capital One Platinum Secured Credit Card is right for you, here are a couple of other options to consider.

• Discover it® Secured Credit Card: This card could be good if you want to build credit while earning cash back rewards on your purchases.
• Petal® 1 Visa® Credit Card: This card may be a fit if you want to rebuild your credit but don’t want a secured card.

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3. Citi® Diamond Preferred® Card review: Long intro offer for balance transfers

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0

reviews

1.9

Rating: 1.9 out of 5.

Editors’ Take: A lengthy intro period for balance transfers makes the Citi® Diamond Preferred® Card an excellent option for consolidating and paying down high-interest credit card debt, but other low-interest cards are better for new purchases.

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Great for a long balance transfer offer

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Annual fee: $0

The average credit score for members who have matched with this card or similar cards is 705

The average credit limit for members who have matched with this card or similar cards is $9,015

Explore more about this card:

• Pros and cons
• In-depth Editorial review
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Here’s the average credit limit of members who matched their Citi® Diamond Preferred® Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $9,015, with $500 being the most common.

Here’s the average credit score of members who matched their Citi® Diamond Preferred® Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 705, with 748 being the most common. Note this is just one of the deciding factors when it comes to getting approved.