Save money and be informed. CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Personal Point Rewards Cards

Compare Points Credit Cards for Personal from our partners and apply online
Find more credit cards for Personal
Find more credit cards with Point Rewards

Read about Charitable Giving: Give Back in the Season of Giving


Chase Sapphire Preferred Card
Read ReviewApply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • 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®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Point Rewards: 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. Earn 1 point per dollar spent on all other purchases.
Introductory Bonus 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 Ultimate Rewards®.
Our Review: Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
21.49% - 28.49% Variable
$95


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 12 months
N/A
18.24% - 28.24% Variable
$95


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 15 months
N/A
18.24% - 29.24% Variable
$0

American Express Gold Card
Read ReviewApply for American Express Gold Card
At American Express' Secure Site
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Point Rewards: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Introductory Bonus Offer: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Our Review: If you spend a lot, the American Express® Gold Card may be worth considering. Read on for the pros and cons of the AMEX Gold Card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Pay Over Time APR
$250


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
20.99% - 28.99%* (Variable)
$95


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
20.24% - 27.24% Variable APR on purchases and balance transfers
$95

The Platinum Card from American Express
Read ReviewApply for The Platinum Card from American Express
At American Express' Secure Site
  • 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. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • 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 with American Express Travel when you pay with 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, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.
  • Terms Apply.
  • See Rates & Fees
Point Rewards: 1 point for virtually every dollar spent.
Introductory Bonus 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.
Our Review: Is The Platinum Card® from American Express worth it? Read this in-depth review to help you decide... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Pay Over Time APR
$695

Chase Sapphire Reserve
Read ReviewApply for Chase Sapphire Reserve
At Chase's Secure Site
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
Point Rewards: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Introductory Bonus Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Our Review: With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
22.49% - 29.49% Variable
$550

Disclaimer: The information for the Amex EveryDay® Preferred Credit Card from American Express, Amex EveryDay® Credit Card from American Express, Citi Premier℠ Card, and Bank of America® Premium Rewards® credit card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Articles on Personal Point Rewards Cards

Chase Sapphire Preferred Review: Why It's Worth $95
Chase Sapphire Preferred Review: Why It's Worth $95

Chase Sapphire Review

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.
Chase Sapphire Preferred Credit Score: What You Need to Know
Chase Sapphire Preferred Credit Score: What You Need to Know

Chase Sapphire Requirements

Chase Sapphire Preferred usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.
Chase Sapphire Preferred Requirements
Chase Sapphire Preferred Requirements

Chase Sapphire Preferred Credit Score Needed

Chase Sapphire Preferred usually requires great credit, which means 720 or more. However, many users can be approved with a lower score. Find out the credit requirements needed.
Chase Sapphire Preferred Rental Car Insurance
Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.
Chase Sapphire Preferred Credit Limit
Chase Sapphire Preferred Credit Limit

Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.
American Express Gold Card Review
American Express Gold Card Review

AMEX Gold Card

If you spend a lot, the American Express® Gold Card may be worth considering. Read on for the pros and cons of the AMEX Gold Card.
American Express Platinum Review: Is It Worth It?
American Express Platinum Review: Is It Worth It?

Amex Platinum

Is The Platinum Card® from American Express worth it? Read this in-depth review to help you decide.
American Express Platinum Benefits
American Express Platinum Benefits

Benefits of Amex Platinum

Are the benefits of the Platinum Card® from American Express worth it? Read this in-depth guide to make the best use of the perks.
American Express Platinum Credit Score
American Express Platinum Credit Score

Amex Platinum Requirements

The Platinum Card® from American Express average cardholder has a great credit score. But credit requirements may not be as tough as you think. Find out how to improve your odds.
American Express Platinum Requirements
American Express Platinum Requirements

American Express Platinum Credit Score Needed

The Platinum Card® from American Express requires great credit, which usually means 720+. But some can be approved with a lower credit score. Learn what it takes to improve your approval odds.
Chase Sapphire Reserve Review: Is $550 Worth It?
Chase Sapphire Reserve Review: Is $550 Worth It?

Chase Sapphire Reserve Review

With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.
Chase Sapphire Reserve Benefits
Chase Sapphire Reserve Benefits

Chase Sapphire Reserve Benefits

Chase Sapphire Reserve has benefits you may not know. Don't waste these valuable perks. Read this guide to maximize Chase Sapphire Reserve benefits.
Chase Sapphire Reserve Credit Score: What You Need to Know
Chase Sapphire Reserve Credit Score: What You Need to Know

Chase Sapphire Reserve Credit Score

You usually need an excellent credit score for Chase Sapphire Reserve (720+). But this is not the only factor. Here's how to improve your approval odds.
Chase Sapphire Reserve Lounge Access
Chase Sapphire Reserve Lounge Access

Chase Sapphire Reserve Lounge Access

Airport lounge access is one of Chase Sapphire Reserve's best benefits. Learn how to maximize this benefit including what lounges you can enter, how to use it, and the guest policy.
Chase Sapphire Reserve Rental Car Insurance
Chase Sapphire Reserve Rental Car Insurance

Chase Sapphire Reserve Rental Car Insurance

Chase Sapphire Reserve offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.
Chase Sapphire Reserve Credit Limit
Chase Sapphire Reserve Credit Limit

Chase Sapphire Reserve Credit Limit

Many Chase Sapphire Reserve users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.
Chase Sapphire Reserve Priority Pass: What You Need to Know

Chase Sapphire Reserve Priority Pass

Priority Pass membership is one of Chase Sapphire Reserve's best benefits. Here is everything you need to know to sign up, activate and use it.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.


You might also be interested in


About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2023 CreditDonkey Inc. All Rights Reserved.