Find Best Credit Card with Points Rewards

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Compare Rewards Credit Cards to Choose the Best One!

When you cannot decide between two credit cards with similar features or rewards from different issuers, the best way out would be comparing them. Below you can compare Platinum Card from American Express with Chase Sapphire Preferred credit card using our convenient comparison tool. By default, we compare the Amex Platinum and Chase Sapphire Preferred, but you can change the pair of cards if you wish.
for Excellent / Good Credit
Compare Cards: Platinum Card® from American Express and others
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VS
for Excellent Credit
Compare Cards: Chase Sapphire Preferred® credit card and others
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Rewards
Points
Rewards Type
Points
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.7
Rewards Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.2
Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.7

Earn 5X Membership Rewards® points on eligible hotels booked on amextravel.com.7

Earn one Membership Rewards® point for every dollar you spend on eligible purchases.7

Earning Rewards
Earn 2X points on travel and dining at restaurants- from airfare and hotels to fine dining and cafes.2

Earn 1 point per dollar spent on all other purchases.2

Points do not expire7
Rewards Expiration
Points do not expire2
Use points for all or part of your flight, hotel booked and paid in advance (prepaid hotel) vacation or cruise booking7
Redemption Options
Redeem for travel, gift cards, cash back and more2
The whole idea of getting a rewards credit card is to earn as much points as possible. You should make sure all your purchases will earn maximum points. For example, the American Express Platinum credit card comes with 5X Membership Rewards points on flights and hotels booked on amextravel.com, and 1 Membership Rewards point for every dollar you spend on eligible purchases. The Chase Sapphire Preferred offers 2X points on travel and dining, and 1 point per dollar spent on all other purchases. Both cards offer sign-up bonus: for Chase Preferred it is 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening, for Amex Platinum Card the bonus is: 60,000 Membership Rewards Points after you use your new card to make $5,000 in purchases in your first 3 months.
Purchases
No intro APR7
Introductory APR
2.99%2
See terms
Ongoing APR
18.24% - 25.24% Variable2
Chances are you will put a big purchase on to your new rewards credit card, and since your purchase can be quite costly, you may need a little help paying off the card balance. A 0% intro APR period will be extremely welcome in this situation. With 0% intro APR you may spread payments over zero introductory period without overpaying.
Fees
$5507
Annual Fee
$0 intro annual fee for the first year, after that $952
Up to $387
Late Payment Fee
Up to $382
It may be great when a credit card is full of benefits, but you should know how much it will cost you. Both Platinum Card from American Express with Chase Sapphire Preferred charge an annual fee. However, for the Chase Sapphire the annual fee is waived first year - you will pay $0 intro annual fee for the first year and $95 after that. For the Amex card fee is high and not waived - $550. Do not forget to check out all possible fees and charges to make sure you know what you are paying for.
Cash Advance
N/A7
Ongoing APR on Cash Advance
27.24% Variable2
N/A7
Cash Advance Fee
5% ($10 min)2
Whether you need cash while abroad or simply in a situation when credit cards are not accepted, you should always know how much cash advance will cost you. It is not only about the fee, but also about an interest rate. In addition to the fees, you will want to know the amount you are allowed to withdraw to avoid sticky situations.
Compare Cards: Platinum Card® from American Express and others
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Compare Cards: Chase Sapphire Preferred® credit card and others
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HOW TO CHOOSE THE BEST CREDIT CARDS IN 5 EASY STEPS

When you're looking for the best credit card, you may find that not all so-called best offers are good for you. The reason is simple - we all have different needs and requirements. Therefore, one best credit card is not necessarily best for each and every person. Below we offer you five things that are important to consider when choosing a best credit card.
  1. 1. Rewards Program

    Probably the first thing we look at is a rewards program. Rewards can be given in a form of miles, points or cash back. If you are after specific rewards, you can search by rewards type. However, we would recommend you looking at your expenses first. Since many cards offer higher rewards in specific shopping categories, it's worth understanding where you spend more to make sure you will earn maximum rewards.
  2. 2. The Interest Rate

    Even though you most likely will be paying off the card balances in full on your credit card, it is worth comparing interest rates. Some credit cards have a 0% intro APR for about a year. With this benefit, you will have some time to pay off an expensive purchase without paying a penny in interest. The zero introductory period won't last forever, so check out a go-to interest rate and when it applies as well.
  3. 3. Fees and Penalties

    An annual fee of a credit card may be high and if you choose a credit card with a high annual fee, you should make sure it's justified. You won't want to pay for something you do not use, so make sure the card's benefits are worth the annual fee. If you do not use credit card benefits, then look for the no annual fee credit cards.
  4. 4. Balance Transfer Opportunity

    If a credit card has a 0% intro APR on balance transfers, see if it allows to earn rewards for transferring a balance. It is a rare benefit these days, but still offered by some issuers. The number of rewards you may earn on balance transfers is limited, so make sure you are aware of all the caps and terms. Also, there can be a balance transfer fee which is usually around 2%-5% of the amount transferred.
  5. 5. Card for Your Lifestyle

    Rewards credit cards are designed for different needs. For example, if you are a frequent traveler who fly more than two times a year, airline co-branded credit card may be your choice. If you board a plane just once a year or even less and want to earn miles on every purchase, choose from general travel rewards credit cards.

LOOKING FOR REWARDS CREDIT CARDS? SEE MORE CREDIT CARD OFFERS

Best for Miles Earnings

Best for Grocery Purchases

Best for Spend Bonus

Compare Cards: Discover it® Miles and others
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for Excellent, Good Credit
Compare Cards: Citi Premier℠ Card and others
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for Excellent Credit
Intro APR (on Purch.)
0% (14 months)
N/A
N/A
Regular APR (on Purch.)
14.24% - 25.24% Variable
16.74% - 25.74% (Variable)
16.74% - 25.74% (Variable)
Annual Fee
$0
$0 intro for first year; $95 after that
$95, waived for first 12 months
Rewards Earned
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.

Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

Earn 3 points per $1 spent on travel including gas stations

Earn 2 points per $1 spent at restaurants and on entertainment

Earn 1 point per $1 spent on all other purchases

Bonus Offer
INTRO OFFER: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel!
$300 Cash Back after you spend $3000 on purchases within 3 months from account opening
Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
It is easier to find a best credit card when you know what benefits and features your new credit card should have. When you have several options, comparing them can help you make your decision. If you cannot choose between points rewards credit cards like Platinum Card from American Express and Chase Sapphire Preferred credit cards, calculating potential earnings and expenses may help. Whichever card you choose, remember that it should work for you all the time.

USER QUESTIONS ABOUT REWARDS CREDIT CARDS

I had the Chase Sapphire Preferred card but closed about it a year ago. Now I want this card back but not sure I will get...
You are quite right in your doubts. The bonus offer has the following conditions: you won’t qualify for the bonus offer if you already have any Sapphire credit card, and you won’t get the bonus offer if you had any Sapphire credit card and...
Read more
Currently I have an American Express prepaid card, but I am having trouble using it for example at some restaurants,...
Not all retailers and merchants accept American Express. Also, you need to make sure you have available funds on your prepaid card to cover the cost of the bill. Horizon Gold is a shopping credit card for use at The Horizon...
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Which is the best credit card for travel rewards: Chase Sapphire Preferred ($95/year), the Discover it Miles ($0/year)? Cost...
The Chase Sapphire Preferred card is good for travelers and those who also spend a lot on dining as it gives 2 points for travel and dining purchases. All other purchases earn only 1 point per dollar. The sign-up bonus is quite standard for travel...
Read more
How to maximize credit card rewards?
Here are some tips that will help you maximize credit card rewards: Never pay an annual fee. This rule is extremely important for those who do not put a lot on a credit card. An annual fee may eat all or part of your rewards. If you choose a...
Read more
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