Your top picks for Personal Rewards
Based on your answers, here are the 3 cards we think fit you best — ranked by overall value.
Chase Sapphire Preferred
Chase
Annual Fee
$95/yr
Welcome Bonus
60,000 Ultimate Rewards points
worth $750+ toward travel · After $4,000 in first 3 months
Earn Rates
- ✦3x on dining worldwide
- ✦3x on select streaming services
- ✦2x on all travel
Key Perks
- ✓$50 annual hotel credit via Chase Travel
- ✓Trip cancellation/interruption insurance
- ✓No foreign transaction fees
Recommended credit: Good to Excellent (690+)
Apply Now →You will be redirected to Chase's secure application.
American Express Gold Card
American Express
Annual Fee
$325/yr
Welcome Bonus
60,000 Membership Rewards points
worth $600–$1,200+ depending on redemption · After $6,000 in first 6 months
Earn Rates
- ✦4x at U.S. supermarkets (up to $25k/yr)
- ✦4x at restaurants worldwide
- ✦3x on flights booked with airlines
Key Perks
- ✓$120 dining credit ($10/mo at select partners)
- ✓$120 Uber Cash annually
- ✓No foreign transaction fees
Recommended credit: Good to Excellent (700+)
Apply Now →You will be redirected to American Express's secure application.
Capital One Venture X
Capital One
Annual Fee
$395/yr
Welcome Bonus
75,000 miles
worth $750+ toward travel · After $4,000 in first 3 months
Earn Rates
- ✦10x miles on hotels & rental cars via Capital One Travel
- ✦5x on flights via Capital One Travel
- ✦2x on everything else
Key Perks
- ✓$300 annual Capital One Travel credit
- ✓10,000 bonus miles every account anniversary
- ✓Priority Pass lounge access (unlimited guests)
Recommended credit: Excellent (740+)
Apply Now →You will be redirected to Capital One's secure application.
Card details last updated: 2026-05-21. Always verify terms on the issuer's site.
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