Best Credit Cards of October 2023

Capital One Venture X Rewards Credit Card

• Earning Rate: Earns 10X Venture Miles on car rentals and hotel booked through Capital One Travel, 5X miles on airfare booked through Capital One Travel, and an unlimited 2X miles on all other purchases.
• Annual Credits: $300 annual credit for bookings through Capital One Travel and 10,000 bonus miles annually (worth $100 towards travel).
• Main Highlights: Complimentary access to Capital One Lounges and Priority Pass Lounges, up to $100 towards Global Entry or TSA PreCheck application, and no foreign transaction fees.
• Intro Bonus: 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: $395.
• Summary: The Venture X Card offers exceptional value when booking through their travel portal. We're talking a 5% to 10% return minimum on your spending with the chance to get even higher returns when you transfer your points to Capital One's airline and hotel partners and redeem miles for more than their standard value of 1 cent each.

Venture X Miles & Card Value Calculator

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American Express® Gold Card

• Earning Rate: Earns 4X Membership Rewards points on restaurant purchases worldwide, 4X at U.S. supermarkets (up to $25,000 per year, then 1X), 3X points on airfare purchased direct or through American Express Travel, and 1X points on all other purchases.
• Annual Credits: Up to $120 in annual dining credit ($10 per month) and up to $120 in annual Uber Cash ($10 per month).
• Main Highlights: Book hotels through The Hotel Collection with American Express Travel and receive a $100 hotel credit and room upgrade upon arrival (when available) when booking at least a two consecutive night stay.
• Intro Bonus: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
• Annual Fee: $250. (See Rates and Fees)
• Summary: The AMEX Gold is one of the best credit cards for earning travel rewards on restaurant and U.S. supermarket purchases. If you plan on transferring points to AMEX's airline or hotel partners, this is one of the best cards to have.

AMEX Gold Card Points & Card Value Calculator

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Chase Sapphire Preferred® Card

• Earning Rate: Earns 5X Ultimate Rewards points on travel purchases through Chase Ultimate Rewards, 3X on dining, online grocery purchases, and select streaming services, 2X on other travel purchases, and 1X on everything else.
• Annual Credits: $50 credit towards hotels booked through Chase Ultimate Rewards portal.
• Main Highlights: 10% bonus points annually based on how much you spent the prior cardmember year and a 25% boost to point value when redeemed for travel through Chase Ultimate Rewards.
• Intro Bonus: 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 Ultimate Rewards®.
• Annual Fee: $95.
• Summary: The Chase Sapphire Preferred is one of the best flexible travel rewards credit cards available and is a fantastic choice for both beginners and experts. It earns points at an excellent rate and offers an easy way to redeem them for 1.25 cents each. You can also transfer them to a handful of partners for higher value including United, Southwest, and Hyatt.

Chase Sapphire Preferred Points & Card Value Calculator

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Blue Cash Preferred® Card from American Express

• Earning Rate: Earns 6% cash back on up to $6,000 in U.S. supermarket purchases (then 1%), 6% back on U.S. streaming services, 3% back on transit and U.S. gas station purchases, and 1% back on all other purchases.
• Main Highlights: The high return on U.S. supermarket purchases.
• Intro Bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• Annual Fee: $0 intro annual fee for the first year, then $95. (See Rates and Fees)
• Summary: If you spend between $500 and $1,000 per month at U.S. supermarkets, the Blue Cash Preferred Card is the best card to have. Capping out the 6% multiplier on grocery will net you $360 in cash back per year which easily makes up for the fee.

Blue Cash Preferred Cash Back & Card Value Calculator

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The Platinum Card® from American Express

• Earning Rate: Earns 5X points on airfare booked direct or through American Express Travel (on up to $500,000 of these purchases per year) and 5X points on prepaid hotel bookings through American Express Travel. All other purchases will earn you 1X.
• Annual Credits: Up to $300 in Equinox statement credits, up to $240 in digital entertainment statement credits, up to $200 in airline fee statement credits, $200 in Uber Cash (up to $15 per month and up to $35 in December), up to $200 in statement credits for purchases made with Fine Hotels + Resorts® or The Hotel Collection credit on 2 night minimum bookings, $189 CLEAR® Plus statement credit, $155 Walmart+ statement credit (up to $12.95 per month, subject to auto-renew), and up to $100 in statement credits for Saks Fifth Avenue ($50 credit bi-annually).
• Main Highlights: Global lounge access (Centurion lounges, Delta SkyClub lounges, Airspace lounges, Escape lounges, and Priority Pass lounges), superb purchase insurance, complimentary elite status with Hilton and Marriott, and up to a $100 statement credit every 4 years for Global Entry or up to $85 statement credit every 4.5 years for TSA PreCheck application fee.
• Intro Bonus: Earn 80,000 Membership Rewards® points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
• Annual Fee: $695. (See Rates and Fees)
• Summary: The Platinum Card has a very hefty annual fee, but it can easily be offset due to the large amount of annual credits, lounge access, intro bonus, and many other benefits. Authorized Platinum Card users can also be added for $195 each and they will have their own lounge access, complimentary elite status, and Global Entry/TSA PreCheck credit.

AMEX Platinum Points & Card Value Calculator

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Capital One Venture Rewards Credit Card

• Earning Rate: Earns 5X miles on hotels and car rentals booked through Capital One Travel and an unlimited 2X miles on all other purchases.
• Main Highlights: Up to $100 towards Global Entry/TSA PreCheck and no foreign transaction fees.
• Intro Bonus: 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: $95.
• Summary: The Venture Card is an excellent option if you don't need the lounge access and the bonus points offered with the Venture X. It's a straightforward rewards card that you can use to earn flexible travel rewards worldwide.

Venture Card Miles & Card Value Calculator

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Citi Custom Cash℠ Card

• Earning Rate: Earns 5% back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent (then 1%). 1% back on all other purchases.
• Main Highlights: High earning rate at no annual fee.
• Annual Fee: $0
• Summary: Choose an eligible category that you spend about $500 in per month and watch the rewards rack up. Pair this with the Citi Premier® Card for high point value towards travel or with the Citi® Double Cash® Card to earn no less than 2% back on all purchases you don't use the Custom Cash for.

Citi Custom Cash Card Cash Back & Card Value Calculator

This card is unavailable through The Point Calculator.

Blue Cash Everyday® Card from American Express

• Earning Rate: Earns 3% cash back on up to $6,000 in U.S. supermarket purchases per year (then 1%), 3% back on up to $6,000 in U.S. online retail purchases per year (then 1%), and 3% back on up to $6,000 in U.S. gas station purchases per year (then 1%). All other purchases on the card earn 1% back.
• Main Highlights: The solid 3% earning rates at no annual fee.
• Intro Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• Annual Fee: $0. (See Rates and Fees)
• Summary: Earning 3% back on supermarket, online retail, and gas station purchases at no annual fee is hard to beat. If you spend about $500 per month in each of these three categories, you'll land in that sweet spot and rake in $540 in annual cash back.

Blue Cash Everyday Cash Back & Card Value Calculator

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Capital One SavorOne Cash Rewards Credit Card

• Earning Rate: Earns 5% back on Capital One Travel purchases, 3% cash back on dining, entertainment, popular streaming service, and at grocery stores, and 1% back on everything else.
• Main Highlights: No foreign transaction fee.
• Intro Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
• Annual Fee: $0.
• Summary: The SavorOne Card is top-notch for unlimited cash back across popular categories which is great consider the card has no annual fee. Pair this card with the Capital One Quicksilver Rewards Credit Card for a solid two-card combo or, for travel, pair it with any of the Venture Rewards credit cards and convert your cash back to Venture miles for even more value!

Savor One Cash Back & Card Value Calculator

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