AwardWallet receives compensation from advertising partners when you visit our site, click on a link, when you are approved for a credit card, or when an account is opened. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 01/10/2026
Offers for the Chase Freedom®, Citi® / AAdvantage® Executive World Elite Mastercard®, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi Custom Cash® Card and Ink Business Preferred® Credit Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
As the new year rolls around, it’s time for New Year’s resolutions. In that spirit, I’m taking a fresh look at my credit card wallet to see what’s staying, what’s going, and what still earns its place. In this post, I’ll walk through all of my cards, break down my daily drivers, and explain what I like about some of my favorites.
Page Contents
- I Have 23 Cards and Pay $5,692 in Annual Fees
- Overview of My Top 10 Most-Used Credit Cards
- Ink Business Cash® Credit Card
- Chase Sapphire Reserve®
- Citi Strata Elite℠ Card
- Atmos™ Rewards Summit Visa Infinite® Card
- Southwest Performance Business Card
- The World of Hyatt Credit Card and World of Hyatt Business Credit Card
- American Express® Gold Card
- The Blue Business® Plus Credit Card from American Express
- Citi® / AAdvantage® Executive World Elite Mastercard®
- What Cards Aren’t in My Wallet and Why
- Which of My Cards I’m Considering Moving on From
- Bottom Line
I Have 23 Cards and Pay $5,692 in Annual Fees
Here’s a high-level overview of every card in my wallet right now. There are 23 of them, and I'm on the hook for a total of $5,692 in annual fees this year!
| Card Name | Annual Fee |
|---|---|
| Chase Freedom® | $0 |
| Chase Freedom Unlimited® (Rates & Fees) | $0 |
| Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | $99, waived for first 12 months |
| Citi Custom Cash® Card | $0 |
| Citi Strata Premier® Card (Rates & Fees) | $95 |
| Hilton Honors American Express Surpass® Card | $150(Rates & Fees) |
| Ink Business Preferred® Credit Card | $95 |
| Ink Business Unlimited® Credit Card (Rates & Fees) | $0 |
| Atmos™ Rewards Summit Visa Infinite® Card | $395 |
| The Blue Business® Plus Credit Card from American Express | $0 (Rates & Fees) |
| American Express® Business Gold Card | $375 (Rates & Fees) |
| The Business Platinum Card® from American Express | $895 (Rates & Fees) |
| Citi® / AAdvantage® Executive World Elite Mastercard® | $595 |
| Citi Strata Elite℠ Card(Rates & Fees) | $595 |
| American Express® Gold Card (Rates & Fees) | $325 |
| The Hilton Honors American Express Business Card | $195(Rates & Fees) |
| Ink Business Cash® Credit Card (Rates & Fees) | $0 |
| Chase Sapphire Reserve® (Rates & Fees) | $795 |
| Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees) | $299 |
| Capital One Venture Rewards Credit Card | $95 |
| Capital One Venture X Business | $395 |
| World of Hyatt Business Credit Card (Rates & Fees) | $199 |
| The World of Hyatt Credit Card (Rates & Fees) | $95 |
| Total Annual Fees | $5,692 |
Overview of My Top 10 Most-Used Credit Cards
With more than 20 cards in my wallet, some serve very specific, niche purposes while others are my go-to daily drivers. Let's look at some of the cards that stand out for their valuable perks and strong points-earning potential.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card (Rates & Fees) might seem like an odd place to start, but it’s actually one of my most used cards. The reason is simple: it earns 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services and 2% cash back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year.
And these rewards can convert to Chase Ultimate Rewards points.
I mainly use my Ink Cash at office supply stores to buy gift cards for everyday purchases that would not normally fall into a bonus category, like Costco. When fully maxed out, this strategy can earn up to 125,000 Ultimate Rewards each year.
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
Chase Sapphire Reserve®
Despite the newly refreshed version of the Chase Sapphire Reserve® (Rates & Fees) charging a hefty $795 annual fee, this is still a staple in my wallet.
The 4x on flights and hotels — as well as 3x on dining — still make it a solid card for earning points. The fairly easy-to-use $300 travel credit, as well as the StubHub and DoorDash credits, fit pretty easily into my lifestyle, too.
Most importantly, I love the Sapphire Reserve for its primary rental insurance and other travel protections. I will constantly use it for car rentals and travel to protect myself should something go wrong.
However, I am bummed about losing 3x points on all travel, as well as the replacement of the 1.5 cents per point fixed redemption through the Chase Travel portal with Points Boost. The benefits of the card still outweigh the fee for me, and I will continue to keep it top-of-wallet.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
Citi Strata Elite℠ Card
The Citi Strata Elite℠ Card(Rates & Fees) is new to the market and has become even more valuable to me now that Citi ThankYou® points transfer to American Airlines. I have been flying American a lot lately, especially to Florida to see my daughter in college, so earning those miles matters.
And I'm a big fan of its earning rates:
- 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
- 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.
Not to mention the $300 annual hotel benefit and $200 annual Splurge benefit, which are both easy to use.
- For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
- 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
- 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.
Atmos™ Rewards Summit Visa Infinite® Card
When the Atmos Rewards program launched in 2025, the Atmos™ Rewards Summit Visa Infinite® Card was born as well.
Atmos points appeal to me because of their ability to book partner airlines. Whether it is American flights for as little as 4,500 miles or Condor flights to Europe, these miles are very valuable to me. The companion certificates that come with the card, or can be earned with spending, are also useful.
Plus, the 3x points on foreign transactions is perfect for when I am traveling abroad.
Southwest Performance Business Card
Southwest is in the midst of some serious changes. From bag fees that now exist to seat selection fees (for flights after January 27, 2026), there's a lot to digest. But the Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees) helps me offset those costs, since it includes one free checked bag for me and up to eight passengers on the reservation.
I can also choose up to a Preferred seat at booking and select Extra Legroom seats, if available, starting 48 hours before departure.
Southwest is really driving customers into credit cards to save on these ancillary fees. I don't fly Southwest as much as I used to, but as a Companion Pass holder for six years, it is still is a solid option. Buy-one-get-one flights make the airline quite attractive for my family's needs.
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.*
- Member FDIC
- 4X points per $1 spent on Southwest® purchases
- 2X points per $1 spent at gas stations and restaurants
- 2X points per $1 on hotel accommodations booked directly with the hotel
- 2X points per $1 spent on rideshare
- 1X point per $1 spent on all other purchases
Related: Comparing All Southwest Credit Cards: Which Is Best for You?
The World of Hyatt Credit Card and World of Hyatt Business Credit Card
I love staying at Hyatt hotels, thanks to the still-reasonable World of Hyatt award chart and great treatment of top-tier Globalist status holders.
I mostly earn Chase Ultimate Rewards with the goal of transferring to Hyatt for great value. Whether a Hyatt Place for my child's soccer tournament or a treat like the Park Hyatt Niseko, there's a reason Hyatt is a favorite of points and miles enthusiasts.
These two Chase-issued World of Hyatt cards are mostly used to help me reach Globalist status each year, thanks to how they earn qualifying nights.
- The World of Hyatt Credit Card (Rates & Fees) comes with five nights toward status each year, plus two nights for every $5,000 spent.
- The World of Hyatt Business Credit Card (Rates & Fees) grants five nights for every $10,000 spent, which is a slightly better return than the personal card.
So, when I am short of the 60 nights required for Globalist status, I can use these cards to push me over the top.
- Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
- Up to 9X points total per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
- 2X points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- 1X point per $1 everywhere else
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
- Up to 9X total points per $1 spent at Hyatt – 4X points per $1 on qualifying purchases when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
- 2X points per $1 spent on fitness club and gym memberships
- 1X point per $1 everywhere else
In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter. Eligible categories include:
- Dining
- Shipping
- Airline tickets when purchased directly with the airline
- Local transit & commuting
- Social media & search engine Advertising
- Car rental agencies
- Gas stations
- Internet, cable & phone services
American Express® Gold Card
American Express Membership Rewards are another valuable currency, and the American Express® Gold Card helps pad my balance. Its earning rates are hard to beat.
- 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
- 1X on other eligible purchases
It also comes with a slew of credits to help offset the annual fee, including Uber, Dunkin’, Resy, and for dining, which I find pretty easy to use. Enrollment is required for select Amex benefits.
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
- 1X on other eligible purchases
Related: Best Ways to Redeem Amex Membership Rewards Points
The Blue Business® Plus Credit Card from American Express
Another way to earn Amex Membership Rewards quickly is with The Blue Business® Plus Credit Card from American Express. It earns 2X points on everyday business purchases (2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter), which makes it great for purchases outside of bonus categories.
It's also a cheap — there's no annual fee! (Rates & Fees) — and easy way to keep your Membership Rewards safe if you ever cancel other Amex cards and do not want to lose your points.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
I have used Amex points in recent years to fly ANA first class from Japan, LATAM business class to Peru, and for an upcoming trip on the longest flight in the world, Singapore to New York.
Citi® / AAdvantage® Executive World Elite Mastercard®
As I mentioned, flying American more often now means I am spending more time in hubs like Charlotte (CLT) and Chicago O’Hare (ORD). The Citi® / AAdvantage® Executive World Elite Mastercard® helps with that, since it includes Admirals Club access for me and my family.
It also gives me a boost of 10,000 Loyalty Points when I hit the 50,000 and again at the 90,000 point threshold, which will help me reach a higher AAdvantage elite status level faster.
I picked this card up when it had an elevated welcome offer, so the points alone made the first-year $595 annual fee worth it. I will try it out for a year and then decide if it is a long-term keeper.
- Complimentary Admirals Club® membership for the primary cardholder
- Admirals Club® membership for authorized user accounts
- First checked bag free on domestic AA flights for you and up to 8 companions
- Priority check-in, TSA screening lines, and boarding
- 10,000 bonus Loyalty Points after you spend $40,000 in purchases within the year
- Global Entry or TSA PreCheck credit
- No Foreign Transaction Fees
- Earn 10X miles for every $1 spent on eligible hotels booked at aa.com/hotels and eligible rental cars booked through aa.com/cars
- Earn 4X miles for every $1 spent on eligible American Airlines purchases (increased to 5X miles through the end of the calendar year after you pass $150,000 in purchases annually)
- Earn 1X mile for every $1 spent on all other purchases
Related: How to Access American Airlines Admirals Clubs
What Cards Aren’t in My Wallet and Why
You may notice that I do not have a single United, Delta, or Marriott card in my wallet. The horror! But that really highlights how subjective this hobby is.
I did carry a United℠ Business Card (Rates & Fees) at one point, but I simply do not fly United often enough to justify keeping it. That said, I could see myself picking one up down the road for the expanded award availability.
- Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $150.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Member FDIC
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
My life circumstances, family construct, travel habits, and home airport all lend themselves more to flying Southwest and American. I also just don’t stay at Marriott properties very much, and sometimes you have to prioritize when making new card decisions, especially with Chase’s ever tightening 5/24 restrictions.
So for me, these programs aren’t top of mind. And when I do need them, I can always transfer points from flexible rewards programs to these airlines and hotels.
Which of My Cards I’m Considering Moving on From
As I inventory my cards at year end, it’s fair to ask which of these will be staying in my wallet and which might be leaving in the coming year.
Of the favorites mentioned above, the AA Executive Card is the one that stands out as a possible cut if the value no longer outweighs the annual fee. The rest of them can probably get comfortable knowing they are not going anywhere.
As for the rest of my cards, these could be on the chopping block the next time their annual fees hit:
- The Business Platinum Card® from American Express: Luckily, I am still paying the old $695 annual fee, but when it increases to $895 (Rates & Fees) at my next anniversary, the juice may not be worth the squeeze. While I can get value from its many credits, it can also be a bit of a hassle.
- Capital One Venture Rewards Credit Card: I have had this card for a while, and with a modest $95 annual fee, it is not costing me much. However, I do have the Capital One Venture X Business, so the Capital One Venture may not really be adding much value to my wallet.
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
- Earn 5X points on flights and prepaid hotels on AmexTravel.com.
- Earn 2X points on each eligible purchase of $5,000 or more.
- Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 2X points on each eligible purchase with U.S. shipping providers.
- 2X earning rates are subject to a cap of $2 million in purchases per calendar year.
- Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles on all other purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on purchases through Capital One Entertainment
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
Bottom Line
Last year was a busy one for my wallet. I opened four cards and closed four, leaving me with the lineup you see above. It’s a good idea each year, or around each cardmember anniversary, to think through your cards and the value they add to your points and miles strategy. If the value is not there, it may be time to product change or cancel.
For rates and fees of the cards mentioned in this post, please visit the following links: The World of Hyatt Credit Card (Rates & Fees), World of Hyatt Business Credit Card (Rates & Fees), Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), The Hilton Honors American Express Business Card (Rates & Fees), American Express® Gold Card (Rates & Fees), Citi Strata Elite℠ Card (Rates & Fees), The Business Platinum Card® from American Express (Rates & Fees), American Express® Business Gold Card (Rates & Fees), The Blue Business® Plus Credit Card from American Express (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), Hilton Honors American Express Surpass® Card (Rates & Fees), Citi Strata Premier® Card (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), and United℠ Business Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.