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Graham's Favorite Cards

American Express® Gold Card
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4.9

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 100,000 points. Find Out Your Offer.

Recommended credit score

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Good to Excellent

Regular APR

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Annual fee

$325

Rewards rate

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1X - 4X

Graham's take:

This is my go-to daily driver. If you eat food — which, hopefully, you do — the rewards on groceries and dining are absolutely insane. I earn statement credits for basically just living my life.

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

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Annual fee

$895

Rewards rate

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5X

Graham's take:

This card turns travel into a much more pleasant experience. Lounges, upgrades, credits… it basically makes the airport feel like a luxury hotel lobby, and I’m never going back to flying without it.

Chase Sapphire Reserve®
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4.8

Bankrate score

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on Chase's secure site

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Intro offer

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125,000 bonus points

Recommended credit score

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740 - 850

Regular APR

19.49% - 27.99% Variable

Annual fee

$795

Rewards rate

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1x - 8x

Graham's take:

These points are ridiculously flexible, the protections are top-tier, and it just works every single time. It feels like the one premium card that always has your back.

Citi Double Cash® Card

Bankrate score

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4.2
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Bankrate review
Recommended credit score:670 - 850
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on Citi's secure site

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Intro offer

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$200 cash back

Rewards Rate

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2% - 5%

Annual fee

$0

Regular APR

17.49% - 27.49% (Variable)

Graham's Take:

It’s the simplest ‘cash back money’ card out there. No effort, no learning curve — just straight cash back for doing absolutely nothing special.

Ink Business Unlimited® Credit Card

Bankrate score

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4.2
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Bankrate review
Recommended credit score:670 - 850
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on Chase's secure site

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Intro offer

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Earn $750 bonus cash back

Rewards Rate

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1.5%

Annual fee

$0

Regular APR

16.74% - 24.74% Variable

Graham's take:

If you run a business, this card is one of the best. The multipliers are great, has a large bonus, and it’s one of the fastest ways I’ve found to scale travel rewards.