Frequent Floaters&#039; Recommended Credit Cards

on American Express's secure site

American Express® Gold Card

on American Express's secure site

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees , Terms Apply

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Rewards Rate

4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Additional features

Purchase intro APR

Balance transfer intro APR

Ink Business Cash® Credit Card

on Chase's secure site

Ink Business Cash® Credit Card

on Chase's secure site

Rewards Rate

5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Intro offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Additional features

Purchase intro APR

Balance transfer intro APR

The Business Platinum Card® from American Express

on American Express's secure site

The Business Platinum Card® from American Express

on American Express's secure site

See Rates & Fees , Terms Apply

Rewards Rate

5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1.5X Earn 1.5X on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
1X 1X points for each dollar you spend on eligible purchases.

Intro offer

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
- 1.5X Earn 1.5X on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- 1X 1X points for each dollar you spend on eligible purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Discover it® Cash Back

on Discover's secure site

Discover it® Cash Back

on Discover's secure site

Rewards Rate

5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

Intro offer

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
- 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.
Additional features

Purchase intro APR

Balance transfer intro APR

Wells Fargo Active Cash® Card

on Wells Fargo's secure site

Wells Fargo Active Cash® Card

on Wells Fargo's secure site

Rewards Rate

2% Earn unlimited 2% cash rewards on purchases

Intro offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 2% Earn unlimited 2% cash rewards on purchases
Additional features

Purchase intro APR

Balance transfer intro APR

Bank of America® Customized Cash Rewards credit card

on Bank of America's secure site

Bank of America® Customized Cash Rewards credit card

on Bank of America's secure site

Rewards Rate

3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1% Earn unlimited 1% on all other purchases.

Intro offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
- 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
- 1% Earn unlimited 1% on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Chase Sapphire Preferred® Card

on Chase's secure site

Chase Sapphire Preferred® Card

on Chase's secure site

Rewards Rate

5x 5x on travel purchased through Chase Travel℠.
3x 3x on dining, select streaming services and online groceries.
2x 2x on all other travel purchases.
1x 1x on all other purchases.

Intro offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5x 5x on travel purchased through Chase Travel℠.
- 3x 3x on dining, select streaming services and online groceries.
- 2x 2x on all other travel purchases.
- 1x 1x on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Capital One Venture X Rewards Credit Card

on Capital One's secure site

Capital One Venture X Rewards Credit Card

on Capital One's secure site

Rewards Rate

10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles 5 Miles per dollar on flights booked through Capital One Travel
2 Miles 2 Miles per dollar on every purchase, every day

Intro offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual fee

Recommended credit

Excellent (740 – 850)

- 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles 5 Miles per dollar on flights booked through Capital One Travel
- 2 Miles 2 Miles per dollar on every purchase, every day
Additional features

Purchase intro APR

Balance transfer intro APR

The Platinum Card® from American Express

on American Express's secure site

The Platinum Card® from American Express

on American Express's secure site

See Rates & Fees , Terms Apply

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Rewards Rate

5X 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.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5X 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.
- 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Additional features

Purchase intro APR

Balance transfer intro APR

Alaska Airlines Visa Signature® credit card

on Bank of America's secure site

Alaska Airlines Visa Signature® credit card

on Bank of America's secure site

4.5 Bankrate review

4.5 Bankrate review

Rewards Rate

3 miles Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
2 miles Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases.
1 mile Earn unlimited 1 mile per $1 spent on all other purchases.

Intro offer

60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 3 miles Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
- 2 miles Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases.
- 1 mile Earn unlimited 1 mile per $1 spent on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Capital One SavorOne Cash Rewards Credit Card

on Capital One's secure site

Capital One SavorOne Cash Rewards Credit Card

on Capital One's secure site

Rewards Rate

8% 8% Cash Back on Capital One Entertainment purchases
5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1% 1% Cash Back on all other purchases

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 8% 8% Cash Back on Capital One Entertainment purchases
- 5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% 1% Cash Back on all other purchases
Additional features

Purchase intro APR

Balance transfer intro APR

Ink Business Preferred® Credit Card

on Chase's secure site

Ink Business Preferred® Credit Card

on Chase's secure site