Starwood Preferred Guest

Regular APR: 13.24%
Introductory APR: 2.9% (6 Months)
Annual Fee: $45 (First Year Fee Waived)
Card Strength: Starwood Points
Credit Needed: Excellent

The Starwood Preferred Guest Credit Card lets you earn free nights at over 890 hotels and resorts in 95 countries.

  • Earn 10,000 Starpoints® with your first purchase
  • Earn an additional 15,000 Starpoints when you spend $15,000 in 6 months
  • Use Starpoints® for free nights and upgrades at Sheraton, W Hotels, Westin and more with no blackout dates

Intro Offer Earn up to 25,000 Starpoints®
Interest Rate 2.90% for 6 months

13.24% on purchases
Annual Fee No annual fee for the first year; $45 thereafter
Balance Transfer 2.90% during the first six months of Cardmembership on balance transfers submitted on the application.
Prime + 9.99% on future BTs
Rewards Details

  • Earn 10,000 Starpoints® with your first purchase – enough for up to 3 free nights at a Category 1 or 2 hotel
  • Earn an additional 15,000 Starpoints when you spend $15,000 in 6 months
  • Use Starpoints for free nights and upgrades at over 890 participating Starwood hotels and resorts in 95 countries
  • Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets
  • No blackout dates
  • Pay no annual fee for the first year and only $45 thereafter

Additional Benefits

  • Transfer Starpoints® almost always on a 1:1 basis to the frequent flyer programs of over 30 major airlines
  • Save with American Express Selects (SM): Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too

Online Account Management Yes
Consumer Protection

  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products purchased with your Card account, for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • Save with American Express SelectsSM: Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you are running late.

Bottom Line The clear choice if you stay frequently at Starwood hotels


American Express Platinum Delta SkyMiles

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $150
Card Strength: Miles
Credit Needed: Good

American Express card that lets you earn one mile for each dollar spent; Ideal for Delta Frequent Flyers.

  • Earn one mile for every dollar on other eligible purchases
  • Miles never expire and there is no cap on the miles you can earn
  • Pay with Miles: Pay for all or part of your flight with miles – and put the rest on your Card

Introductory Offer Earn up to 20,000 bonus SkyMiles® after first purchase
Interest Rate 13.24% on regular purchases
Annual Fee $150 per year
Balance Transfer 9.99% during the first 12 months of Cardmembership on balance transfers submitted on the application.
Prime + 9.99% on future BTs
Rewards Details

  • Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase
  • Earn one mile for every dollar on other eligible purchases
  • Miles never expire and there is no cap on the miles you can earn
  • Earn 2,500 bonus miles for adding an Additional Cardmember
  • Pay with Miles: pay for all or part of your flight with miles – and put the rest on your Card. Start redeeming with just 10,000 miles for $100 dollars off any Delta flight with no blackout dates or seat restrictions

Additional Benefits

  • Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase
  • Earn one mile for every dollar on other eligible purchases
  • Miles never expire and there is no cap on the miles you can earn
  • Earn 2,500 bonus miles for adding an Additional Cardmember
  • Pay with Miles: pay for all or part of your flight with miles – and put the rest on your Card. Start redeeming with just 10,000 miles for $100 dollars off any Delta flight with no blackout dates or seat restrictions

Online Account Management Yes
Consumer Protection

  • Emergency Card Replacement: Receive a new Card if yours has been lost or stolen in as little as 24 hours
  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products purchased with your Card account, for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you are late.

In Short: Ideal for those with Good credit who fly Delta Airlines often.


American Express Delta Reserve

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $450
Card Strength: Delta SkyMiles
Credit Needed: Excellent

Discover a noticeably richer travel experience with the Delta Reserve credit card from American Express. Pay for all or part of any Delta flight with the miles you earn with this card.

  • Earn one mile for every eligible dollar on virtually every other purchase you make with the Card
  • Earn up to 10,000 Medallion Qualification Miles with first purchase
  • Pay for all or part of any Delta flight with your miles

Intro Offer Earn up to 20,000 bonus SkyMiles® after first purchase
Interest Rate N/A

13.24% on purchases
Annual Fee *$450 per year
Balance Transfer 9.99% during the first 12 months of Cardmembership on balance transfers submitted on the application and/or within the first 30 days of Card membership. Then, 13.24%

Rewards Details

  • Earn one mile for every eligible dollar on virtually every other purchase you make with the Card
  • Earn up to 10,000 Medallion Qualification Miles with first purchase
  • Earn up to 30,000 MQMs and 30,000 bonus miles with Built-in Miles Boost(SM)
  • Spend $30,000 in a calendar year and you can earn a boost of 15,000 MQMs and 15,000 bonus miles
  • Spend $60,000 in that same year and you can earn an additional 15,000 MQMs and 15,000 bonus miles
  • Keep or gift these earned MQMs to a friend or family member they can be used toward his or her own status
  • Pay for all or part of any Delta flight with your miles with no restrictions or blackout dates
  • Annual Fee: $450 per year; or $175 if you are a qualified American Express Cardmember. No annual fee for additional cards

Additional Benefits

  • You and two guests can experience the ultimate in comfort as you wait for your next flight in the Crown Room Club
  • Free annual domestic companion certificate, which can be used for a First-Class fare or Coach-Class ticket (terms and conditions apply)
  • Access to American Express Concierge Services
  • Pay with Miles, lets you pay for all or part of any Delta flight with your miles with no restrictions or blackout dates
  • Get an annual companion certificate good for either First-Class or Coach-Class domestic travel

Online Account Management Yes
Consumer Protection

  • Extended Warranty: When you use Delta Reserve Credit Card from American Express for your purchases, membership extends your warranty for up to one year
  • Fraud Protection Guarantee: If any fraudulent or unauthorized charges are made to your account, as a Delta Reserve Credit Cardmember, you won’t be held responsible
  • Purchase Protection: When something you buy is broken or stolen, it shouldn’t be your problem. If you use your Card for eligible purchases, they’re protected from damage or theft for up to 90 days from the moment you buy them
  • Return Protection: You bought the wrong thing and the store won’t take it back. If you use your Delta Reserve Credit Card for eligible purchases, there’s no need to worry. In situations like this, American Express will be there to help
  • Car Rental Loss and Damage Insurance: When you use the Delta Reserve Credit Card from American Express to rent a car, you’re automatically covered if the car is damaged or stolen
  • Travel Accident Insurance

In Short: Pay for all or part of any Delta flight with the miles you earn with this card


American Express Delta SkyMiles

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $95 (First Year Free)
Card Strength: Delta SkyMiles
Credit Needed: Excellent

Earn 1 mile for almost every dollar spent — plus get up to 25,000 bonus miles, enough for a total of $250 off Delta flights.

  • Earn 20,000 bonus miles the first time you make a purchase
  • Earn one mile for every eligible dollar on virtually every other purchase
  • Pay-with-Miles feature allows you to redeem miles for any Delta seat at any time at Delta.com

Intro Offer Up to 25,000 bonus SkyMiles® with first purchase
Interest Rate N/A

13.24% on purchases
Annual Fee No annual fee for the first year, then $95 thereafter
Balance Transfer 9.99% for 12 months, regular APR thereafter

Finance charges may apply to balance transfers requested after initial application.
Rewards Details

  • Earn 20,000 bonus miles the first time you make a purchase
  • Earn one mile for every eligible dollar on virtually every other purchase
  • 5,000 bonus miles when you add two Additional Cards to your account
  • Use the Pay with Miles benefit to pay for all or part of your flight with miles – and put the rest on your Card. Start redeeming with just 10,000 miles for $100 dollars off any Delta flight with no blackout dates or seat restrictions
  • SkyMiles never expire

Grace Period 20 days for purchases if previous balance paid in full
Other Fees Late Payment Fee: Subject to applicable law, $19 on balances less than $400 and $38 on balances $400 or greater. Overlimit Fee: $35, subject to applicable law.
Additional Benefits

  • Global Assist® Hotline: Whenever you travel more than 100 miles from home, we’ll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more

Online Account Management Yes
Consumer Protection

  • Fraud Protection Guarantee means you’re not responsible for unauthorized charges
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you arrive late, or the hotel will provide you with a comparable room nearby, along with transportation to your new location
  • Travel Accident Insurance: Provides up to $100,000 in accident insurance while traveling

In Short: The best card for you if you have excellent credit and fly Delta Airlines often.


American Express Costco TrueEarnings Card

Regular APR: 13.24% APR
Introductory APR: 0% APR (3 Months)
Annual Fee: $0
Card Strength: Cash Back
Credit Needed: Good

The TrueEarnings® Card serves as both your American Express Credit Card and your Costco Membership Card with the flexibility to pay charges over time.

  • Earn Cash Back – 3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • Earn a $25 statement credit with your first purchase made with the Card
  • No Annual Fee with your paid Costco Membership

Introductory Offer $25 statement credit with your first purchase
Interest Rate 0% APR for 3 months
13.24% on purchases
Annual Fee No Annual Fee with paid Costco Membership
Balance Transfer 1.99% during the first 6 months of Cardmembership on balance transfers when you transfer a balance during the first 40 days of Cardmembership.
Prime + 9.99% on future BTs

Rewards Details

Great benefits for Costco members. Non-members can apply for a Costco Membership online when applying for the credit card.

  • * The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • * Receive a $25 statement credit for the first purchase made with the Card!
  • * Earn Cash Back – 3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • * No minimum on how much you have to spend
  • * No limit on the Cash Back earned
  • * Pay over time or pay in full
  • * No Annual Fee with your paid Costco Membership
  • * The flexibility to pay charges over time

Additional Benefits

  • Save with American Express Selects: Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too

Online Account Management Yes
Consumer Protection

  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Travel Accident Insurance: Provides up to $100,000 in accident insurance
  • Emergency Card Replacement: Receive a new Card if yours has been lost or stolen in as little as 24 hours
  • Global Assist® Hotline: Whenever you travel more than 100 miles from home, we’ll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more

In Short: No Limit on the Cash Back earned


American Express Gold Card

Get travel rewards and merchandise with your Membership Rewards® points. Gain access to Gold Card events exclusive to card members.

Summary of Card Benefits

  • Points have no expiration date
  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months- redeemable for a $100 gift card!
  • No Pre-Set Spending Limit
Detailed Card Overview

  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months of Card membership- redeemable for a $100 gift card
  • Membership Rewards® program — a fast, flexible rewards program that lets you redeem travel rewards on over 21 airlines
  • No Pre-set Spending Limit
  • Automatically turns your purchases into points you can redeem for your choice of truly exceptional travel, shopping, and entertainment rewards
  • Earn 1 Membership Rewards® point for virtually every dollar you spend
  • Transfer points into 17 frequent flyer programs — 1 point for 1 airline mile with most programs
  • Redeem points for rewards from over 50 of the finest names in shopping and entertainment
  • Points have no expiration date and there is no limit to the number of points you can earn

Additional Card Benefits and Rewards

  • Gold Card Events exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide
  • Redeem points for rewards from 21 airlines partners, hundreds of hotels worldwide, vacation packages, over 50 cruise itineraries, and spa retreats
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you arrive late, or the hotel will provide you with a comparable room nearby, along with transportation to your new location

Consumer Protection Included

  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • Save with American Express Selects (SM): Offers, savings, entertainment, and special events all in one great place
  • American Express Travel Service: When you use the Card to book your getaway with American Express® Travel, you’ll qualify to also receive a credit to your account of up to $100 once a year
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Car Rental Loss and Damage Insurance: Coverage for theft of or damage to most rental vehicles when you use your Card

In Short A charge card targeted at higher tier consumers with points and access to Gold Card events.


American Express Platinum Card

American Express Platinum Card – Gain instant access to the Platinum Card lifestyle that benefits and rewards you with the best travel, dining, and lifestyle services.

Summary of Card

  • Exclusive amenities at boutique, resort, and luxury hotels around the world
  • Access to exclusive, once-in-a-lifetime events
  • 24-hour access to Concierge service

Card Details

  • International Airline Program: Receive a complimentary overseas companion ticket on one of 17 participating airlines when you purchase a qualifying ticket through Platinum Travel Service
  • Airport Club Access Program: Enjoy complimentary access to a growing list of participating airline clubs worldwide
  • The Fine Hotels & Resorts Program: Receive special amenities and comforts when staying at more than 500 boutique, resort, and luxury hotels around the world
  • Platinum Destinations® Vacations: Our travel specialists provide one-of-a-kind travel experiences tailored to your personal interests and schedule
  • Platinum Card Concierge: Rely on Concierge to take care of your requests, including selecting a restaurant, arranging the details of an upcoming special event, and more
  • Platinum Dining Reservations: Gives you access to the new restaurants that you may want to experience
  • *Annual Fee: Basic Card – $450 Additional Card – $175 for up to 3 Platinum Additional Cards
  • Other Fees Late Payment Fee: Varies from state to state from zero to the greater of $35 or 2.99% of the delinquent balance.

Additional Benefits and Rewards

  • Premium Car Rental Programs: Complimentary memberships in premium car rental programs from Avis® ,Hertz® and National Car Rental®
  • Cruise Privileges Program: Book your cruise vacation on any of our world-class cruise line partners through Platinum Travel Service and receive exclusive amenities
  • By Invitation Only® – Get exclusive access to once-in-a-lifetime experiences – from sports, fashion and fine dining to the visual and performing arts
  • Premium Seats and Luxury Suites program: Get access to private suites and choice seats at venues in NY and LA for sports, entertainment, and live concert events
  • Platinum Shopping Partners: Take advantage of exclusive shopping privileges and amenities with our luxury retailer partners including Neiman Marcus

Consumer Protection

  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • American Express Travel Service: When you use the Card to book your getaway with American Express® Travel, you’ll qualify to also receive a credit to your account of up to $100 once a year
  • Baggage Insurance Plan: Platinum/Centurion coverage for lost, stolen or damaged carry-on and checked baggage up to a combined maximum up to $3,000 for carry-on and checked baggage per covered person per covered trip
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen.
  • Assured Reservations at Select Restaurants


American Express Red

The American Express Red is an American Express credit card which has been launched for the first time in the United Kingdom in March 2006. Applicants must be UK residents. It is part of the Product Red initiative.

The principle of the card is that every time money is spent with it, 1% of the amount is sent to a fund called Global Fund, created in 2002 to fight against AIDS, Tuberculosis and Malaria. When the yearly spending amount exceeds £5000 a year, this percentage is increased to 1.25%.

In the UK, the card is advertised by spokespersons such as Bono, Gisele Bündchen and Elle Macpherson.

Red American Express is mentioned in the 2007 song “The Way I Are” by Timbaland ft. Keri Hilson.


The Virgin Atlantic Black Card

Virgin Atlantic offers a “Black Card” through partnership with American Express.

…EXPLAINED IN BLACK AND WHITE The Virgin Atlantic Black Card is the fastest card to earn Flying Club miles, end of story. You’ll fly faster with: * 2 Flying Club miles for every £1 spent on card purchases * 4 Flying Club miles for every £1 spent direct with Virgin Atlantic or Virgin Holidays * 6,000 bonus Flying Club miles upon first spend within first 90 daysFootnote 1 * 10% off Virgin Holidays packagesFootnote 2 * 0% on balance transfers for 6 months from the date your account is opened. 2% handling fee applies * 18.9% (variable) on card purchases, that’s a typical rate of 37.1% APR (variable) including the £115 annual fee, see the Summary box for full details