Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Choose to carry a balance with interest on eligible charges of $100 or more.
Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
Credit Cards Editor
Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.
FAQ's About Credit Cards
Despite the fact that credit cards are extremely common and easy to use, there are many features and conditions which may be new to some people. If you're looking for more information on credit cards check out our credit card FAQs to learn more.
Before committing to a credit card, ask yourself why you need this? You will want to analyze your spending habits and ensure you can make your monthly payments on time to avoid penalty fees. Areas to consider when comparing credit cards include APR, annual fees, loyalty schemes, introductory offers, and cashback.
You may want to apply for a new credit card if you feel your current card does not deliver the best results. Whether a lack of rewards, high-interest rates, or an unpleasant annual fee in which you do not receive any benefits. Many companies reward their customers for spending so ensure you are receiving yours. You may receive offers for better deals elsewhere and wish to take advantage of their generous sign-up bonuses.
For your convenience, the internet provides an excellent source for comparing almost anything these days. If unsure which credit card is best for you, simply browse the web for comparison sites which will outline the top credit cards on the market and their features. This allows you to explore what applies to your needs and which option will be most beneficial for you and your spending.
Generally, there is no legal limit on the number of credit cards an individual can have. However, owning too many may flag a warning sign for some issuers. It's best advised to look at your financial situation and only open up a credit card if you essentially need to, as having too many may affect your credit score.
Some companies have a high approval rate, even for those with low credit. These secured credit cards allow individuals to build up damaged credit by responsibly spending and making all of their repayments on time. Look for issuers specifically for this reason.
When applying for a credit card, you should consider the available benefits such as an introductory offer, cash back on purchases, discounts, rewards, and insurance options. For those who enjoy travel, many credit card issuers offer air travel miles, flight extras, or hotel points for complimentary nights.
APR stands for annual percentage rate and refers to the annual interest rate charged on your credit card. Actual APR numbers vary but will usually cap at around 25%. The APR of your credit card will depend on various factors such as credit score, income, and financial history.
All credit cards have an APR, annual percentage rate. This refers to the interest rate that applies to your monthly statements. If you have any balance on your credit card and carry it over to the next month, your APR will be applied, and you will be charged accordingly. APR differs for every credit card issuer and each application, depending on contributing factors such as credit scores.