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3. Indigo® Mastercard® review: Rebuilding your credit could come at a high cost

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623

member reviews

2.9

Rating: 2.9 out of 5.

Editors’ take: This card can help you build credit, but other options may come with lower fees and more attractive features.

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Great for access to unsecured credit

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Annual fee: $75 the first year; $99 thereafter (you may see different terms on Credit Karma)

The average credit score for members who have matched with this card or similar cards is 567

The average credit limit for members who have matched with this card or similar cards is $707

Explore more about this card:

• Pros and cons
• In-depth Editorial review

Here’s the average credit limit of members who matched their Indigo® Mastercard® 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 $707, with $300 being the most common.

Here’s the average credit score of members who matched their Indigo® Mastercard® 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 567, with 557 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

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60.1%

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.

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48 years

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

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$81,628

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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Geared toward people with less-than-perfect credit

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No security deposit required

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Low credit limit with no clear path to an increase

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Purchase APR is high

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High annual fee with no rewards to offset the cost

Indigo® Mastercard® review

Updated May 28, 2026

This date may not reflect recent changes in individual terms.

Written by: Eric Freeman, Editorial Lead, Credit Cards

Edited by: Charles McArthur-Johnson, Content Coordinator, Credit & Debt

What you need to know about the Indigo® Mastercard®

The Indigo® Mastercard® can help you build credit, but there are several things to watch out for before you decide if it’s right for you. Take note: The card details in this article are applicable to offers provided when you apply through Credit Karma, and terms may vary elsewhere.

A chance to rebuild credit

The primary draw of the Indigo® Mastercard® is that it’s geared toward people who want to rebuild credit without requiring a security deposit. Unlike secured credit cards, you won’t have to put down money upfront to secure the account.

The bank doesn’t list the exact credit requirements for approval, but it does say the card is for people with “less-than-perfect credit.” While not everyone will qualify, that language suggests that your chances of approval might be better than with many other cards.

A high annual fee with no rewards

While the issuer’s willingness to work with people in need of credit is a plus, you’ll find yourself paying a fair amount just to use this card.

First, the Indigo® Mastercard® has an annual fee of $75 the first year; $99 thereafter (you might see different terms on Credit Karma). That’s not an uncommon annual fee for a credit card, but it’s high for a card that doesn’t offer any rewards to help offset the upfront cost. Essentially, you’ll be paying every year just for access to credit.

The low credit line could limit you

While the Indigo® Mastercard® is available to people with different kinds of credit profiles, it’s not guaranteed to work for all budgets. That’s because the card offers a credit limit of just $300 (which is immediately decreased by the amount of the card’s annual fee). Other cards meant for building credit might also come with a low initial limit, but a fair number of those cards will review accounts periodically for potential credit-line increases. This card, however, doesn’t offer that.

In addition to limiting your potential buying power, that low credit line could also hurt your ability to build credit. The amount of available credit you use — your credit utilization rate — is a major factor in determining your credit scores. And with a $300 limit (terms might be different when you apply through Credit Karma), you could find that you’re using that entire credit limit fairly often.

It’s recommended to keep your credit utilization under 30%, which might be a challenge with this card. Other cards meant for building credit might offer you a similarly low credit limit but also promise regular reviews for potential credit line increases.

You could pay even more if you carry a balance

If you carry a balance on the Indigo® Mastercard®, it’s going to cost you. The card comes with a variable purchase APR of 35.9%, which is pretty high for a credit-building card (you might see different terms on Credit Karma).

And if you make a late payment, you could face a late fee of up to $40 (you might see different offers on Credit Karma). Missed payments can happen for any number of reasons, so that’s a serious risk for your account.

Who this card is good for

The Indigo® Mastercard® could be a good choice for people struggling to get approved for other cards, but we don’t recommend it if you have other options for building credit.

While the ability to get approved with a less-than-perfect credit history is a clear positive, the high annual fee and purchase APR mean you might end up paying a fair amount just for access to credit. Add in the relatively low credit line, and your purchasing power and ability to improve your credit might be limited.

Instead, we suggest looking at a card with no annual fee that allows you to access more features over time. These cards may not look as attractive right now and might even require an initial security deposit, but they offer more opportunities to improve your credit over the long term.

Not sure this is the card for you? Consider this alternative.

• Capital One Platinum Credit Card: If you don’t want to pay a security deposit, this card has no annual fee and the opportunity to increase your credit line.

1. Credit Cards
2. Insights
3. Avant® Mastercard® Cash Back Rewards – With A Higher Credit Limit

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0

reviews

 

Rating: 0 out of 5.

Great for straightforward rewards

Annual Fee: $125 first year; then $125.04/year ($10.42/mo)

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.

Here’s the average credit limit of members who matched their Avant® Mastercard® Cash Back Rewards - With A Higher Credit Limit 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 $1,125, with $300 being the most common.

Here’s the average credit score of members who matched their Avant® Mastercard® Cash Back Rewards - With A Higher Credit Limit 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 594, with 567 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

55.8%

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.

$86,319

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.

1. Credit Cards
2. Insights
3. Mission Lane Silver Line Visa® Credit Card with a Higher Credit Limit

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1

reviews

5

Rating: 5 out of 5.

Great for rewards with no annual fee

Annual Fee: $0

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.

Here’s the average credit limit of members who matched their Mission Lane Silver Line Visa® Credit Card with a Higher Credit Limit 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 $1,285, with $300 being the most common.

Here’s the average credit score of members who matched their Mission Lane Silver Line Visa® Credit Card with a Higher Credit Limit 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 598, with 572 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

54.6%

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.

46 years

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

$84,250

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.

1. Credit Cards
2. Insights
3. Tilt Essentials

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17

reviews

2.5

Rating: 2.5 out of 5.

Great for rewards with no annual fee

Annual Fee: $0

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.

Here’s the average credit limit of members who matched their Tilt Essentials 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 $8,116, with $500 being the most common.

Here’s the average credit score of members who matched their Tilt Essentials 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 706, with 763 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

29.1%

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.

$99,184

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.

1. Credit Cards
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3. Seen Cashback Plus

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22

reviews

1.8

Rating: 1.8 out of 5.

Great for automatic credit limit increases

Annual Fee: $39 (you may see different offers on Credit Karma)

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.

Here’s the average credit limit of members who matched their Seen Cashback Plus 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 $858, with $300 being the most common.

Here’s the average credit score of members who matched their Seen Cashback Plus 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 572, with 567 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

59.7%

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.

48 years

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

$81,390

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.

This offer is no longer available on our site: Macy’s Credit Cards

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2. Insights
3. Macy’s Credit Cards

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0

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 701

The average credit limit for members who have matched with this card or similar cards is $2,107

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 $2,107, 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 701, 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

29.4%

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.

$102,873

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.

These offers are no longer available on our site: Capital One Venture X Rewards Credit Card, Capital One Savor Cash Rewards Credit Card

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

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73

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 716

The average credit limit for members who have matched with this card or similar cards is $17,175

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 $17,175, 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 716, 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

24.8%

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.

$122,061

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: 75,000 miles after spending $4,000 on purchases during the first 3 months from account opening
• Editors’ estimated welcome bonus value: $833
• 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 75,000 miles after you spend $4,000 on purchases during your first 3 months after opening the account.

That’s equal to $750 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 1.11 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.

These offers are no longer available on our site: Capital One Venture X Rewards Credit Card, Capital One Savor Cash Rewards Credit Card, 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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297

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.

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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 714

The average credit limit for members who have matched with this card or similar cards is $15,796

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 $15,796, 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 714, 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

25.3%

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.

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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41 years

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

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$120,119

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

Image: Con

Statement credits come with strings attached

American Express Platinum Card® review

Updated May 18, 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 ($219, 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 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.

These offers are no longer available on our site: Capital One Venture X Rewards Credit Card, Capital One Savor Cash Rewards Credit Card, Bank of America® Premium Rewards® credit card

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

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213

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 716

The average credit limit for members who have matched with this card or similar cards is $17,175

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 $17,175, 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 716, 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

24.8%

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.

$122,061

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

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Flexible travel credit

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Competitive travel and dining rewards

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High annual fee

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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: 100,000 bonus points after you spend $6,000 on purchases during the first 3 months after opening the account
• Editors’ estimated welcome bonus value: $1,150
• 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 100,000 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 $1,150 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®

These offers are no longer available on our site: Capital One Venture X Rewards Credit Card, Capital One Savor Cash Rewards Credit Card, Bank of America® Premium Rewards® credit card

1. Credit Cards
2. Insights
3. Chase Freedom Unlimited® review: A cash back card with mass appeal

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2040

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 709

The average credit limit for members who have matched with this card or similar cards is $8,870

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 $8,870, with $1,000 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 709, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.