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 Chase Bank popular card - Sapphire Reserve with American Express Platinum credit card using our convenient comparison tool. By default, we compare the Chase Sapphire Reserve credit card and Platinum Card from American Express, but you can change the pair of cards if you wish.
for Excellent Credit
Compare Cards: Chase Sapphire Reserve® Credit Card and others
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for Excellent / Good Credit
Compare Cards: Platinum Card® from American Express and others
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Compare Cards: Chase Sapphire Reserve® Credit Card and others
Rewards
Compare Cards: Platinum Card® from American Express and others
Points
Rewards Type
Points
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.2
Rewards Bonus
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.7
3X Points on Travel Worldwide, immediately after earning your $300 annual travel credit.2

3X Points on Dining at Restaurants Worldwide.2

1X Point per dollar spent on all other purchases.2

Earning Rewards
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

Points don't expire as long as your account remains open2
Rewards Expiration
Points do not expire7
Redeem points for cash, travel booking through Chase Ultimate Rewards or transfer points to travel partners2
Redemption Options
Use points for all or part of your flight, hotel booked and paid in advance (prepaid hotel) vacation or cruise booking7
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 Chase Sapphire Reserve offers 3X Points on travel and dining, and 1 point per dollar spent on all other purchases. 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. Both cards offer sign-up bonus: for Sapphire Reserve it is 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening, for Platinum Card bonus is: 60,000 Membership Rewards Points after you use your new card to make $5,000 in purchases in your first 3 months.
Compare Cards: Chase Sapphire Reserve® Credit Card and others
Purchases
Compare Cards: Platinum Card® from American Express and others
No intro APR2
Introductory APR
No intro APR7
19.24% - 26.24% Variable2
Ongoing APR
See terms
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.
Compare Cards: Chase Sapphire Reserve® Credit Card and others
Balance Transfer
Compare Cards: Platinum Card® from American Express and others
No intro APR2
Introductory APR
No intro APR7
19.24% - 26.24% Variable2
Ongoing APR
N/A7
5% ($5 min)2
Balance Transfer Fee
N/A7
While balance transfers do not usually earn rewards, it could be a great opportunity to pay off some debt by transferring it to your new credit card. If you do not carry balances, you do not overpay, and interest won't eat up your rewards.
Compare Cards: Chase Sapphire Reserve® Credit Card and others
Fees
Compare Cards: Platinum Card® from American Express and others
$450; each authorized user: $75 per year2
Annual Fee
$5507
Up to $382
Late Payment Fee
Up to $387
It may be great when a credit card is full of benefits, but you should know how much it will cost you. Both Chase Sapphire Reserve credit card and Platinum Card from American Express charge an annual fee. For Chase card it is $450 and for Amex - $550. Do not forget to check out all possible fees and charges to make sure you know what you are paying for.
Compare Cards: Chase Sapphire Reserve® Credit Card and others
Cash Advance
Compare Cards: Platinum Card® from American Express and others
27.24% Variable2
Ongoing APR on Cash Advance
N/A7
5% ($10 min)2
Cash Advance Fee
N/A7
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: Chase Sapphire Reserve® Credit Card and others
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Compare Cards: Platinum Card® from American Express 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 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
$500 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 Chase Sapphire Reserve credit card and Platinum Card from American Express 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

Is a JP Morgan Credit Card a good idea? I just stumbled upon a JP Morgan Reserve credit card and I'm not sure if I need it.
First of all, be cautious - this card is only for JP Morgan private clients. This means that you should have $10 million with Chase. If you don't qualify, then you won't be able to get this card. Basically, it's of no particular interest, as its...
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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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What are the Various Benefits of Visa Premium Cards?
A Visa premium card is usually awarded to those customers who have a very good credit history and credit score. The premium card is usually a wonderful rewards and benefits card which hands infinite power to the customer along with lot of prestige...
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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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