Here Are 3 Good Credit Cards to Have

Motley Fool02-02 17:30

KEY POINTSUsing the right credit card can save you money on everyday purchases.Decide if earning cash back or travel rewards is right for you.Review your spending and find a card that matches it.A ...

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Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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But with so many options out there, finding the right one can feel overwhelming.If you're looking for a great credit card that offers solid rewards and valuable perks, here are three excellent options.1. The Platinum Card® from American Express -- Best for travel perksIf you travel frequently, the Amex Platinum Card is one of the best premium travel cards on the market. While it comes with a steep $695 annual fee (see rates and fees), the benefits can easily outweigh the cost if you take full advantage of them.This card offers 5X points on flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year and 5X points on prepaid hotels booked with American Express Travel. You'll also get a $200 annual airline fee credit, $200 hotel credit, and $199 CLEAR® Plus credit, among other perks. Terms apply; enrollment may be required.One of the biggest draws of the Amex Platinum Card is airport lounge access. You get entry to Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs (when flying Delta), making airport travel much more enjoyable (terms apply).Ratings Methodology     The Platinum Card® from American Express  Apply Now for The Platinum Card® from American ExpressOn                          American Express'             Secure Website.            Terms apply          Rates & Fees Rating image, 4.50 out of 5 stars.4.50/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = PoorRating image, 4.50 out of 5 stars.4.50/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = PoorCredit Score:Circle with letter I in it.      Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.      Recommended Credit Score required for this offer is: Good/Excellent (670-850)    PoorFairGoodExcellent300-579580-669670-739740-850Apply Now for The Platinum Card® from American ExpressOn                          American Express'             Secure Website.            Terms apply          Rates & Fees Credit ScoreCircle with letter I in it.      Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.Good/Excellent (670-850)Intro APRPurchases: n/aBalance Transfers: n/aAPR                                  See Pay Over Time APR RewardsCircle with letter I in it.      Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 1X Membership Rewards® Points on other purchases. Terms and limitations apply.      1X-5X Membership Rewards® Points                Annual Fee              $695Welcome OfferCircle with letter I in it.      Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.      80,000 Membership Rewards® Points                  Bottom                    Line                                  This luxury travel card has some of the most prestigious perks you'll find — access to over 1,400 airport lounges, elite status with Hilton and Marriott Bonvoy (enrollment required), and spending credits worth over $1,500 in value every year. Just be ready for the hefty annual fee, which can be offset in the first year with a welcome bonus worth $800 in points. Terms apply.                                      Read Full Review                  Pros/Cons                Big welcome offerSubstantial spending creditsAirport lounge accessHotel benefitsFlexible travel pointsAnnual feeLimited bonus categoriesSpending credits can be complicated to manage                  Card Details                Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.$200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.$695 annual fee.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.          Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.\rPlease visit americanexpress.com/benefitsguide for more details.\rTrip delay and cancellation insurance and cell phone protection underwritten by New Hampshire Insurance Company, an AIG Company.\rExtended warranty, purchase protection, car rental insurance, and baggage insurance underwritten by AMEX Assurance Company.        2. Blue Cash Preferred® Card from American Express -- Best for cash backThe Blue Cash Preferred® Card from American Express rewards the everyday spender. This card offers a massive 6% cash back on U.S. supermarkets (up to $6,000 per year) and select U.S. streaming subscriptions like Netflix, Hulu, and Disney+ (terms apply).You'll also earn 3% cash back at U.S. gas stations and transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other purchases. The card has a $0 intro annual fee for the first year, then $95. (See rates and fees.) But if you spend at least $31 per week at grocery stores, you'll easily earn that back in rewards. (Terms apply.)Ratings Methodology  2025 Award Winner                  Blue Cash Preferred® Card from American Express  Apply Now for Blue Cash Preferred® Card from American ExpressOn                          American Express'             Secure Website.            Terms apply          Rates & Fees Rating image, 4.50 out of 5 stars.4.50/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = PoorRating image, 4.50 out of 5 stars.4.50/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = PoorCredit Score:Circle with letter I in it.      Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.      Recommended Credit Score required for this offer is: Good/Excellent (670-850)    PoorFairGoodExcellent300-579580-669670-739740-850Apply Now for Blue Cash Preferred® Card from American ExpressOn                          American Express'             Secure Website.            Terms apply          Rates & Fees Credit ScoreCircle with letter I in it.      Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.Good/Excellent (670-850)Intro APRPurchases: 0%, 12 months                  Balance Transfers: 0%, 12 months                  APR                                  18.24%-29.24% Variable RewardsCircle with letter I in it.      6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.      1%-6% Cash Back                Annual Fee              $0 intro annual fee for the first year, then $95.Welcome OfferCircle with letter I in it.      Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.      $250                  Bottom                    Line                                  This card offers market-leading cash back at U.S. supermarkets. The welcome bonus and intro APR offer sweeten the deal. Terms apply. If you spend a lot on groceries (excluding wholesale clubs and superstores like Costco and Walmart), this card is worth considering.                                      Read Full Review                  Pros/Cons                Big welcome offerU.S. supermarkets rewardsU.S. gas stations rewardsStreaming subscription rewardsTravel and purchase protectionsAnnual feeForeign transaction fee                  Card Details                Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.$0 intro annual fee for the first year, then $95.Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).6% Cash Back on select U.S. streaming subscriptions.3% Cash Back at U.S. gas stations.3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).1% Cash Back on other purchases.Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.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.          • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.  \r• Please visit americanexpress.com/benefitsguide for more details.  \r• Card Members are responsible for the costs charged by third-party service providers.\r• Extended warranty, purchase protection warranty, and car rental loss & damage insurance underwritten by AMEX Assurance Company.        3. Wells Fargo Active Cash® Card -- Best for simple, flat-rate cash backNot a fan of tracking spending categories? The Wells Fargo Active Cash® Card is one of the best no-fuss cash back cards out there, offering 2% cash rewards on all purchases, with no categories to track.Unlike many other cash back cards that cap rewards on certain categories, this one gives you unlimited 2% cash rewards on everything -- whether it's groceries, travel, dining, or bills. It also comes with a $200 cash rewards welcome bonus after spending just $500 in the first 3 months.Even better? There's no annual fee, making this a solid long-term card to keep in your wallet.Ratings Methodology  2025 Award Winner                  Wells Fargo Active Cash® Card  Apply Now for Wells Fargo Active Cash® CardOn                          Wells Fargo's             Secure Website.Rates & Fees Rating image, 5.00 out of 5 stars.5.00/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = PoorRating image, 5.00 out of 5 stars.5.00/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = PoorCredit Score:Circle with letter I in it.      Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.      Recommended Credit Score required for this offer is: Good/Excellent (670-850)    PoorFairGoodExcellent300-579580-669670-739740-850Apply Now for Wells Fargo Active Cash® CardOn                          Wells Fargo's             Secure Website.Rates & Fees Credit ScoreCircle with letter I in it.      Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.Good/Excellent (670-850)Intro APRCircle with letter I in it.      0% intro APR for 12 months from account opening on purchases and qualifying balance transfers      Purchases: 0% intro APR, 12 months from account opening                  Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers                  Regular APR                                  19.24%, 24.24%, or 29.24% Variable APR RewardsCircle with letter I in it.      Earn unlimited 2% cash rewards on purchases.      2% cash rewards                Annual Fee              $0Welcome OfferCircle with letter I in it.      Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.      $200 cash rewards                  Bottom                    Line                                  This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus and a decent intro APR offer. We simply haven’t come across this combination of top perks in one card before.                                      Read Full Review                  Pros/Cons                Unlimited 2% cash rewardsLong 0% intro APR offerGenerous cash rewards welcome bonusNo annual feeCellphone protectionsNo bonus categoriesForeign transaction feesBalance transfer fee                  Card Details                Apply Now to take advantage of this offer and learn more about product features, terms and conditions.Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.Earn unlimited 2% cash rewards on purchases.0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.$0 annual fee.No categories to track or remember and cash rewards don’t expire as long as your account remains open.Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.Which one should you get?Each of these credit cards is a great option, but the right one depends on your spending habits:Get The Platinum Card® from American Express if you travel often and want luxury perks like lounge access and hotel credits.Choose the Blue Cash Preferred® Card from American Express if you spend heavily on groceries and streaming services and want big cash back rewards.Pick the Wells Fargo Active Cash® Card if you want a simple, no annual fee card that earns 2% cash rewards on everything.No matter which one you choose, all three of these cards offer strong rewards and valuable benefits that make them worth having in your wallet.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.30.2","shortVersion":"4.30.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2508118280"}