Core Points - The Delta SkyMiles® Gold Business American Express Card is positioned as an ideal choice for small business owners who frequently travel with Delta Airlines, offering significant benefits such as a free first checked bag and a 15% discount on award travel [1][12][14] Summary by Category Card Features - The card has a $0 introductory annual fee for the first year, transitioning to $150 thereafter [3] - Cardholders can earn 90,000 bonus miles after spending $6,000 in the first 6 months [3] - Ongoing purchase APR ranges from 19.99% to 28.99% variable [3] Rewards Structure - Cardholders earn 2x miles on purchases at U.S. shipping providers and advertising in select media (up to $50,000 per category per year), 2x miles on eligible Delta purchases and dining, and 1x miles on all other purchases [4][8] - After spending $10,000 in a calendar year, cardholders can receive a $200 Delta Flight Credit [4][7] Additional Benefits - The first checked bag is free for the cardholder and up to eight additional passengers on the same reservation, saving up to $70 on roundtrip flights [7][13] - Cardholders receive a 15% discount on Delta award flights booked through Delta.com or the Fly Delta mobile app [7][19] - Priority boarding is available for the cardholder and up to eight passengers [7] Employee Benefits - Up to 99 employee cards can be assigned, allowing for collective earning of miles on eligible purchases [5] Travel Protections - The card includes purchase protection, extended warranty coverage, and travel insurance for baggage and car rental loss or damage [7] Redemption Options - SkyMiles can be redeemed for award flights, checked baggage fees, upgrades, hotel stays, and more [16]

Core Points - The IHG One Rewards Premier Business Credit Card offers significant benefits for business owners, including elite status, free nights, and high rewards rates on spending [1][25][26] Summary by Category Card Features - The card has an annual fee of $99 and offers a welcome bonus of up to 200,000 points, with 140,000 points earned after spending $4,000 in the first 3 months and an additional 60,000 points after spending $9,000 in the first 6 months [3][6] - Cardholders can earn up to 26x points per dollar spent at IHG Hotels & Resorts, 5x points on travel, gas stations, select advertising, and restaurants, and 3x points on all other purchases [4][9] Rewards and Benefits - Cardholders receive an Anniversary Free Night at IHG Hotels & Resorts and a fourth night free on award stays when redeeming points for four consecutive nights [4][18] - Automatic Platinum Elite status is granted to cardholders, providing a 60% bonus on paid stays and other perks [19] - A reimbursement of up to $120 for Global Entry, TSA PreCheck, or NEXUS application fees is available every four years [20] Earning Points - Points can be earned through various means, including a welcome bonus, points on purchases, an annual spending bonus, and referrals [5][11] - An annual spending bonus of $100 and 10,000 bonus points is awarded for spending at least $20,000 in a calendar year [10] Redemption Options - Points can be redeemed for free hotel nights, experiences, and exclusive events, with the highest value typically found in hotel stays [12][14] - Other redemption options include online shopping and transfers to airline miles, though these may offer lower value [13] Additional Features - The card includes travel and purchase protections, such as trip cancellation insurance and purchase protection for eligible purchases [21] - There are no foreign transaction fees, making it suitable for international business travel [23]

The Chase Freedom Flex® and the Chase Sapphire Preferred® Card are both among the best credit cards for cash-back and travel rewards. And while both cards earn Ultimate Rewards points, they're different in almost every other way. Depending on your financial situation, spending habits, and feature preferences, one card may be a better fit than the other. In some cases, it could even make sense to have both. But to ensure you choose the best credit card for you, here's what you need to know for a proper com ...

Core Insights - The cost of dining out has increased significantly, with a 4% rise in the past year and an 8.6% increase in the previous year, according to the Consumer Price Index [1] Group 1: Credit Card Options for Dining Rewards - Rewards credit cards can help offset rising food costs, offering substantial annual value for restaurant spending [2] - The American Express® Gold Card provides 4x Membership Rewards points at restaurants, with an annual fee of $325 and potential annual credits exceeding $420 [5][7] - The Capital One Savor Cash Rewards Credit Card offers 4x points at restaurants and a $0 annual fee, making it a strong option for dining out [12][13] - The DoorDash Rewards Mastercard provides 3% cash back on dining and 4% on DoorDash orders, with a $0 annual fee and additional benefits like a free DashPass membership [18][21] - The Chase Freedom Flex® Card offers 3% cash back on dining and the potential for 5% cash back in rotating categories, with a $0 annual fee [24][25] Group 2: Key Features and Benefits - The American Express Gold Card includes various dining credits and is best suited for those who dine out frequently and travel [8][11] - The Capital One Savor Card is noted for its cash-back benefits and no annual fee, appealing to those with significant food and entertainment expenses [13][14] - The U.S. Bank Altitude Go Visa Signature® Card offers 4x points on dining with no annual fee, making it a competitive option for everyday spending [37][39] - The Citi Custom Cash® Card automatically rewards 5% cash back in the top eligible spending category, which can be maximized for dining [31][32] Group 3: Considerations for Choosing a Dining Credit Card - The highest rewards rates for restaurant spending are around 4% cash back or 4x points, with cards like the American Express Gold Card and Capital One Savor leading the way [41] - Cards with rotating categories may offer higher rewards but come with restrictions, making them less straightforward for consistent dining rewards [42] - Evaluating the annual fee against potential rewards is crucial to determine the overall value of a dining credit card [44]

Core Insights - Walmart is one of the largest retailers globally, with over 10,000 stores across 19 countries, serving as a one-stop shop for various consumer needs [1] - Utilizing rewards credit cards for Walmart purchases can help consumers earn cash back, points, or miles, effectively reducing overall spending [2] Credit Card Recommendations - The Capital One Venture Rewards Credit Card is highlighted for earning travel rewards, with a $95 annual fee and a welcome offer of 75,000 miles after spending $4,000 in the first 3 months [6][8] - The Blue Cash Everyday® Card from American Express is recommended for online shopping, offering a $0 annual fee and a welcome offer of a $200 statement credit after spending $2,000 in the first 6 months [10][11] - The Wells Fargo Active Cash Card provides unlimited cash rewards with a $0 annual fee and a welcome offer of $200 cash rewards after spending $500 in the first 3 months [15] - The Chase Freedom Flex® Card can offer up to 5% cash back on Walmart purchases during rotating categories, with a welcome offer of $200 after spending $500 in the first 3 months [19][21] - The Citi Double Cash® Card is noted for its straightforward cash-back structure, offering 2% cash back on every purchase with no annual fee [23][24] Shopping Strategies - Consumers are advised to plan their shopping trips to avoid overspending, prioritizing essential items [43] - Using a rewards credit card can lead to significant savings; for instance, frequent Walmart shoppers spending an average of $3,618 annually could earn over $100 in rewards [44] - Coupons and discounts can be utilized, including manufacturer coupons and Walmart Cash, which can be redeemed for future purchases [45] - Walmart+ membership offers benefits like free shipping, which can be financially advantageous for frequent online shoppers [47][48] - Tracking prices can help consumers take advantage of price drops, potentially allowing for returns and repurchases at lower prices [50]

Core Insights - The article emphasizes the benefits of using specific credit cards for shopping at Target during Black Friday, highlighting cash back and rewards opportunities for consumers [1][2]. Group 1: Credit Card Recommendations - The Blue Cash Everyday® Card from American Express offers a $200 statement credit after spending $2,000 in the first 6 months, with 3% cash back on U.S. online retail purchases up to $6,000 per year [4][5]. - The Capital One Venture Rewards Credit Card provides 75,000 miles after spending $4,000 in the first 3 months, allowing users to earn 2x miles on all purchases, including those at Target [7][8]. - The Target Circle™️ Card offers a $50 discount on future purchases after spending $50 within the first 60 days, along with a 5% discount on eligible purchases at Target [19][21]. Group 2: Cash Back and Rewards Structure - The U.S. Bank Shopper Cash Rewards® Visa offers 6% cash back on the first $1,500 in combined purchases each quarter at two retailers of choice, including Target, potentially yielding $360 cash back annually if maximized [24][25]. - The Citi Double Cash® Card provides a flat 2% cash back on all purchases, making it a versatile option for Target shoppers who may not fall into specific reward categories [15][16]. - The Capital One Quicksilver Student Cash Rewards Credit Card allows college students to earn 1.5% cash back on all purchases, including those at Target, with no credit history required [10][12]. Group 3: Redemption Options - Cash-back credit cards allow users to redeem rewards for statement credits, which can help cover Target purchases and other expenses [26][27]. - Travel reward cards also offer statement credits, but it is often more beneficial to redeem points or miles for travel-related expenses [28]. - Consumers are advised to consider their shopping habits at Target to determine the best credit card for their needs, as frequent shoppers may benefit more from specific rewards cards [32][36].

Core Insights - The article presents a comprehensive overview of the best credit cards for 2025, categorizing them based on their unique benefits and target audiences, such as cash-back, travel, and business credit cards [1][65]. Cash-Back Credit Cards - The Chase Freedom Unlimited is highlighted as the best cash-back credit card, offering a $200 bonus after spending $500 in the first 3 months, a 0% intro APR on purchases for 15 months, and a rewards rate of 5% on travel purchased through Chase Travel, 3% on drugstore purchases and dining, and 1.5% on all other purchases [3][4]. - The Blue Cash Everyday Card from American Express is noted for its 0% intro APR on purchases for 15 months, a $200 statement credit after spending $2,000 in the first 6 months, and a rewards rate of 3% cash back at U.S. supermarkets, online retail, and gas stations [16][17]. Travel Credit Cards - The Chase Sapphire Preferred Card is recognized as the best rewards credit card, offering 75,000 bonus points after spending $5,000 in the first 3 months, a 19.99% - 28.24% variable APR, and a rewards rate of 5x points on travel purchased through Chase Travel [7][9]. - The Capital One Venture Rewards Credit Card is highlighted for its low annual fee of $95, a welcome offer of 75,000 miles after spending $4,000 in the first 3 months, and a rewards rate of 5x miles on hotels and vacation rentals booked through Capital One Travel [20][22]. Airline Credit Cards - The New United Explorer Card is noted as the best airline credit card, with a $0 intro annual fee for the first year, a welcome offer of 60,000 bonus miles after spending $3,000 in the first 3 months, and benefits including a free checked bag and priority boarding [12][14]. Business Credit Cards - The Ink Business Cash Credit Card is recognized as the best business credit card, offering a $900 bonus cash back after spending $6,000 in the first 3 months, a 0% intro APR on purchases for 12 months, and a rewards rate of 5% cash back on common business expenses [29][31]. Balance Transfer Credit Cards - The Citi Double Cash Card is highlighted as the best balance transfer credit card, featuring a 0% intro APR on balance transfers for the first 18 months, a welcome offer of $200 cash back after spending $1,500 in the first 6 months, and a rewards rate of 2% cash back on every purchase [33][35]. Student Credit Cards - The Discover it Student Cash Back card is noted as the best student credit card, offering a welcome bonus of cash back match at the end of the first year, a 0% intro APR on new purchases for the first 6 months, and a rewards rate of 5% cash back in rotating categories [37][38].

The Marriott Bonvoy Bevy® American Express® Card offers a solid welcome bonus and decent rewards, but even if you frequently stay at Marriott hotels, it can be challenging to get enough value to make the card's annual fee worthwhile. Learn more Marriott Bonvoy Bevy® American Express® Card 費率及收費, 受條款約束Annual fee $250 Welcome offer Earn 85,000 Marriott Bonvoy® bonus points after you spend $5,000 in the first 6 months Card type(s) Travel, Hotel Ongoing Purchases APR 19.74%-28.74% Variable Recommended credit ...

Core Insights - Retailers are extending Black Friday into a season of shopping, with Americans planning to spend nearly $900 each on holiday-related expenses according to a National Retail Federation survey [1] Budgeting and Planning - Establishing a budget is crucial for holiday shopping, with suggestions to allocate specific amounts for gifts and personal purchases [4][5] - Reviewing past spending can help consumers set a more effective budget for the current year [6] Shopping Strategies - Creating a shopping plan can mitigate impulsive buying driven by limited-time offers [6][7] - Utilizing credit cards with 0% APR introductory offers can provide a financial cushion, allowing consumers to pay off balances without accruing interest for a set period [8][9][17] Debt Management - For those with existing credit card debt, it may be wise to limit holiday spending and focus on debt repayment instead [18][19] Credit Card Rewards - Credit card rewards can enhance savings during the holiday season, with various cards offering significant bonuses for new sign-ups [20][22][31] Additional Savings Opportunities - Consumers are encouraged to seek out extra deals and discounts, including using browser extensions for online shopping and price matching in stores [26][27] - Credit card protections can safeguard purchases, providing benefits such as purchase protection and extended warranties [28][32] Targeted Offers - Credit card issuers often provide targeted shopping offers that can yield additional savings on eligible purchases [38][39]

Core Insights - American Express offers a variety of credit cards tailored to different financial goals, including cash back, travel rewards, and introductory 0% APR options [1][2] Group 1: Best American Express Credit Cards - The Blue Cash Everyday® Card has no annual fee, offers a $200 statement credit after spending $2,000 in the first 6 months, and provides 3% cash back at U.S. supermarkets on up to $6,000 per year [4][5] - The Blue Cash Preferred® Card offers a $250 statement credit after spending $3,000 in the first 6 months, with 6% cash back at U.S. supermarkets on the first $6,000 spent annually [8][9] - The American Express® Gold Card is highlighted for travel rewards, offering 4x points at restaurants and U.S. supermarkets, with a welcome offer of up to 100,000 Membership Rewards® Points after spending $6,000 in the first 6 months [14][17] - The Platinum Card® from American Express, with an annual fee of $895, offers premium travel rewards, including 5x points on flights booked directly with airlines [19][21] - The Delta SkyMiles® Platinum American Express Card provides 90,000 bonus miles after spending $4,000 in the first 6 months, catering to frequent Delta flyers [24][25] Group 2: Card Features and Benefits - Many American Express cards offer introductory 0% APR on purchases and balance transfers, which can be beneficial for managing existing debt or making large purchases [68] - The Hilton Honors American Express Card provides 80,000 Hilton Honors Bonus Points after spending $2,000 in the first 6 months, with 7x points on eligible purchases at Hilton hotels [36][38] - The American Express Blue Business Cash™ Card offers 2% cash back on all purchases up to $50,000 per year, with no annual fee [32][33] - The American Express Business Gold Card allows for 4x Membership Rewards points on the top two eligible categories where the business spends the most each month [41][43] Group 3: Membership Rewards and Redemption - Membership Rewards points can be redeemed for travel, statement credits, and shopping, with the best value typically found in travel redemptions [60][62] - American Express has a wide selection of co-branded airline and hotel cards, allowing for point transfers to various travel partners [54][65]