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Erika's Recommended Credit Cards

Chase Freedom Unlimited®
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5.0

Bankrate score

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on Chase's secure site

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Intro offer

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Earn $200 cash back

Recommended credit score

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670 - 850

Regular APR

18.24% - 27.74% Variable

Annual fee

$0

Rewards rate

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1.5% - 5%

Erika's take:

This is a great beginner’s card if you want something simple. It has no annual fee and I love that it has perks you don’t usually see on beginner cards, like trip cancellation and purchase protection.

American Express Platinum Card®
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4.8

Bankrate score

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on American Express's secure site

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Intro offer

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As High As 175,000 points. Find Out Your Offer.

Recommended credit score

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Good to Excellent

Regular APR

See Pay Over Time APR

Annual fee

$895

Rewards rate

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5X

Erika's take:

This is THE card for traveling in luxury. Think elite hotel status, ultra-luxe lounge access, and statement credits galore — from airline fees to TSA PreCheck®.* 

Capital One Venture X Business
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4.9

Bankrate score

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on Capital One's secure site

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Intro offer

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Earn 150,000 bonus miles

Recommended credit score

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740 - 850

Regular APR

N/A

Annual fee

$395

Rewards rate

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2X miles - 10X miles

Erika's take:

This hits the sweet spot if you're often traveling for business but don’t need every luxury perk. You'll still get airport lounge access, travel credits, but it keep things simple! 

Chase Sapphire Reserve®

Bankrate score

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4.8
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Bankrate review
Recommended credit score:740 - 850
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on Chase's secure site

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Intro offer

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125,000 bonus points

Rewards Rate

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1x - 8x

Annual fee

$795

Regular APR

19.49% - 27.99% Variable

Erika's take:

A go-to card for smoother, smarter travel. Yes, there’s a high annual fee, but the benefits can easily outweigh it if you travel often. Think: airport lounge access, annual travel credits, and top-tier trip protection. 

Capital One Savor Cash Rewards Credit Card

Bankrate score

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5.0
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Bankrate review
Recommended credit score:670 - 850
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on Capital One's secure site

See Rates & Fees

Intro offer

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Earn a one-time $200 cash bonus

Rewards Rate

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1% - 8%

Annual fee

$0

Regular APR

18.49% - 28.49% (Variable)

Erika's take:

If you love a good meal or night out, this card was made for you. You’ll earn boosted cashback on dining, entertainment, groceries, and even streaming.

Sapphire Reserve for Business℠

Bankrate score

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4.9
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Bankrate review
Recommended credit score:670 - 850
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Apply now

on Chase's secure site

See Rates & Fees

Intro offer

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Earn 150,000 bonus points

Rewards Rate

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1x - 8x

Annual fee

$795

Regular APR

Flex for Business Variable APR: 17.74% - 25.74%

Erika's take:

Established business owners can get truly massive perks like global lounge access, premium travel insurance, and valuable business credits for tools.

Chase Sapphire Preferred® Card

Bankrate score

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4.9
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Bankrate review
Recommended credit score:670 - 850
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Apply now

on Chase's secure site

See Rates & Fees

Intro offer

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75,000 bonus points

Rewards Rate

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1x - 5x

Annual fee

$95

Regular APR

19.24% - 27.49% Variable

Erika's take:

A great card even for beginners! It's packed with travel rewards and insurance perks, but without the sky-high annual fee. Plus, your points go further when transferred to airline and hotel partners.