American Express Graphite™ Business Cash Unlimited Card: Uncapped Cash Back for a Reasonable Annual Fee
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Top Offers for You
American Express® Business Gold Card
As high as 200,000 Membership Rewards® points
Find out your offer
Rates & Fees
(Terms apply)
(Terms apply)
Sapphire Reserve for Business℠
Welcome Bonus Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.
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Last Chance: Buy Hilton Honors Points With up to a 100% Bonus (0.5¢ Each) Through May 29
Reviewed By
Tyler Glatt
Hilton Honors American Express Surpass® Card
Rates & Fees
(Terms Apply)
(Terms Apply)
Welcome Bonus Enjoy a $0 intro annual fee for the first year, then $150 and earn 130,000 Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
Hilton Honors American Express Surpass® Card
Welcome Bonus Enjoy a $0 intro annual fee for the first year, then $150 and earn 130,000 Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
Annual Fee:$0 introductory annual fee, then $150
Show moreWhy We Like ItHighlightsEarning Rates
The Hilton Honors American Express Surpass® Card is tailored for Hilton loyalists seeking valuable perks without a high annual fee. It delivers cardholders 12X Hilton Honors points on direct Hilton purchases, and 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, enhancing everyday spending. A valuable feature is the complimentary Hilton Honors™ Gold status in the Hilton Honors program, which includes access to room upgrades and bonus points. Additionally, spending $15,000 on purchases in a calendar year earns a free night reward, adding significant value to the card. This card balances robust rewards with a moderate annual fee, making it a strong contender for regular Hilton guests (Enrollment required for select American Express benefits).
- Enjoy a $0 intro annual fee for the first year, then $150 and earn 130,000 Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
- Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Points don't expire while your Hilton Honors American Express Surpass® Card is active and in good standing.
- $0 introductory annual fee for the first year, then $150.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- 12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
- 6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
- 4X bonus points on U.S online retail purchases
- 3X bonus points for all other eligible purchases on your card
The Ultimate Guide to World of Hyatt: How To Earn, Redeem, and Maximize Value
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Chase Sapphire Reserve® Application Rules That Can Make or Break Your Approval
Reviewed By
Allie Johnson
Chase Sapphire Reserve®
Welcome Bonus Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Chase Sapphire Reserve®
Welcome Bonus Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee:$795
Show moreWhy We Like ItHighlightsEarning Rates
Chase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 150,000 bonus points bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 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 $288 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
Guide to Citi ThankYou® Transfer Partners: Which Programs Offer the Best Value for Your Points?
Reviewed By
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