{"id":8164,"date":"2024-08-26T02:09:43","date_gmt":"2024-08-26T02:09:43","guid":{"rendered":"https:\/\/travelaffiliatewebsite.com\/mer\/the-best-credit-cards-for-retirees-and-seniors\/"},"modified":"2024-08-26T02:09:43","modified_gmt":"2024-08-26T02:09:43","slug":"the-best-credit-cards-for-retirees-and-seniors","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/the-best-credit-cards-for-retirees-and-seniors\/","title":{"rendered":"The best credit cards for retirees and seniors"},"content":{"rendered":"<p><\/p>\n<div>\n<p>We spend a lot of time talking about travel and the best credit cards for things like no foreign transaction fees, restaurants, supermarkets and more. We also have guides to the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/starter-credit-cards-college-students\/\" rel=\"noopener\" target=\"_blank\">best credit cards for students<\/a>. But another group that deserves its own consideration is seniors and retirees, given their differing lifestyles from these other groups.<\/p>\n<p>In this guide, we&#8217;ll look at the best credit cards for retirees and seniors to help you navigate your later years with a solid credit card portfolio geared specifically toward you. We&#8217;ll break these cards down into two sections \u2014 everyday spending cards and premium travel cards \u2014 since they meet the different needs of different people.<\/p>\n<p><a id=\"the-best-everyday-credit-cards-for-retirees-and-seniors\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">The best everyday credit cards for retirees and seniors<\/h2>\n<p>These cards offer quality earning structures, low annual percentage rates and other perks that should be attractive for people in their later years who may have less disposable income due to no longer working. Let&#8217;s take a look at the best everyday credit cards for retirees and seniors.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-1151623803.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">MOMO PRODUCTIONS\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>AARP Essential Rewards Mastercard from Barclays<\/h3>\n<p><strong>Sign-up bonus:<\/strong> Earn a $200 cash bonus after spending $1,000 or more on the card within 90 days of account opening.<\/p>\n<p><strong>Annual fee:<\/strong> $0<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/AARP-Essential-Rewards-Mastercard-from-Barclays.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> If you have a lot of medical expenses, you&#8217;ve likely noticed a severe lack of cards that earn bonus points on this type of spending. The AARP Essential Rewards card earns 2% cash back on eligible <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-for-paying-your-medical-bills\/\" rel=\"noopener\" target=\"_blank\">medical expenses<\/a>, as well as 3% cash back on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/gas\/\" rel=\"noopener\" target=\"_blank\">gas<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-pharmacy\/\" rel=\"noopener\" target=\"_blank\">drugstore purchases<\/a>. You&#8217;ll earn 1% cash back on all other purchases.<\/p>\n<p>You can redeem your earnings as cash back or toward the cost of an AARP membership for yourself or someone else. There are no earning limits in any of the categories and no annual fee. For those seeking a card that earns well on medical expenses but who don&#8217;t want to pay an annual fee, this card could be your solution.<\/p>\n<p><em>The information for the AARP  Essential Rewards Mastercard from Barclays has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<h3>Bank of America Customized Cash Rewards credit card<\/h3>\n<p><strong>Sign-up bonus:<\/strong> Earn a $200 bonus after spending at least $1,000 on the card in the first 90 days from account opening.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><strong>Annual fee:<\/strong> $0<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/08\/Bank-of-America-Customized-Cash-Rewards_2024.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> The Customized Cash Rewards card has no annual fee and allows you to choose a category where you earn 3% back on spending on the first $2,500 and 2% back at <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-time-to-get-a-credit-card-for-groceries\/\" rel=\"noopener\" target=\"_blank\">grocery stores<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-visa-cards-for-costco\/\" rel=\"noopener\" target=\"_blank\">wholesale clubs<\/a> on the first $2,500 of combined spending in these categories each quarter (then 1%) and 1% back on all other purchases.<\/p>\n<p>Cardmembers can also enjoy a 0% introductory APR for 15 billing cycles on purchases and any balance transfers made in the first 60 days (3% balance transfer fee), then a variable APR of 19.24% to 29.24% will apply.<\/p>\n<p>Where this card can excel is if you are a member of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/bank-of-america-preferred-rewards-program\/\" rel=\"noopener\" target=\"_blank\">Bank of America Preferred Rewards<\/a>. Eligible members can earn an up-to-75% bonus on credit card rewards, which can almost double the Customized Cash Rewards card&#8217;s earning rates from 3%, 2% and 1% to 5.25%, 3.5% and 1.75%, respectively.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/credit-card-review-bank-of-america-cash-rewards-credit-card-2\/\" rel=\"noopener\" target=\"_blank\">Customized Cash Rewards card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/bank-of-america-cash-rewards-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Bank of America Customized\u00ae Cash Rewards credit card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Blue Cash Everyday Card from American Express<\/h3>\n<p><strong>Welcome offer:<\/strong> Earn $200 in the form of a statement credit after spending $2,000 on purchases on your new card within the first six months.<\/p>\n<p><strong>Annual fee:<\/strong> $0 (see <a href=\"https:\/\/thepointsguy.com\/apply\/blue-cash-everyday-card-from-american-express-rates-fees\/?tid=post\">rates and fees<\/a>)<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/07\/Blue-Cash-Everyday-Card-American-Express-Consumer-Card.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> This card has no annual fee, earning categories that match common daily spending and introductory rates on APR and &#8220;<a href=\"https:\/\/thepointsguy.com\/guide\/comparison-buy-now-pay-later-services\/\" rel=\"noopener\" target=\"_blank\">buy now, pay later<\/a>&#8221; plans that can help you save money while financing large purchases. Cardmembers enjoy $0 Plan It\u00ae fees for plans created during the first 15 months after account opening. This can help you finance large purchases coming up, and then plan fees are 1.33% of the purchase amount after the introductory period, in addition to the standard purchase APR.<\/p>\n<p>Cardmembers also enjoy an introductory APR of 0% for purchases in the first 15 months, then a variable APR between 19.24% to 29.99%.<\/p>\n<p>Another reason to like this card is its earning structure. Cardmembers earn 3% cash back at U.S. <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-groceries-coronavirus\/\" rel=\"noopener\" target=\"_blank\">supermarkets<\/a>, U.S. online retail purchases and U.S. gas stations. Each category has a spending cap of 3% on the first $6,000 in purchases, and you&#8217;ll earn 1% cash back in these categories after meeting that cap. All other purchases on the card earn 1% cash back.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/amex-blue-cash-everyday-card-review\/\" rel=\"noopener\" target=\"_blank\">Blue Cash Everyday card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/blue-cash-everyday-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Blue Cash Everyday\u00ae Card from American Express<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Blue Cash Preferred Card from American Express<\/h3>\n<p><strong>Welcome offer:<\/strong> Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.<\/p>\n<p><strong>Annual fee:<\/strong> $0 introductory annual fee for the first year, then $95 (see <a href=\"https:\/\/thepointsguy.com\/apply\/blue-cash-preferred-card-from-american-express-rates-fees\/?tid=post\">rates and fees<\/a>)<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/Amex-Blue-Cash-Preferred_2022_CCHH.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> This card earns well in common spending categories, has a moderate annual fee, and the value of the rewards you earn should easily overcome the annual fee. Plus, you can enjoy $0 in <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-plan-it-introductory-offer\/\" rel=\"noopener\" target=\"_blank\">Amex Plan It<\/a> &#8220;buy now, pay later&#8221; fees for plans created in the first year of card membership (then up to 1.33% in monthly fees) and a 0% introductory APR for new purchases and balance transfers in the first 12 months from account opening (then a variable APR between 19.24% to 29.99% will apply).<\/p>\n<p>Cardmembers earn 6% cash back at U.S. supermarkets on up to $6,000 in spending per year (then 1% cash back). This alone could provide $360 in cash back per year if maximized. Cardmembers also earn 6% cash back on select <a href=\"https:\/\/thepointsguy.com\/credit-cards\/streaming\/\" rel=\"noopener\" target=\"_blank\">streaming subscriptions<\/a>, 3% cash back at U.S. gas stations and on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-commuting\/\" rel=\"noopener\" target=\"_blank\">transit<\/a> (including taxis, ride-hailing apps, parking, tolls, trains and other commuting expenses) and 1% cash back on all other purchases.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/blue-cash-preferred-american-express-credit-card-review\/\" rel=\"noopener\" target=\"_blank\">Blue Cash Preferred card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/blue-cash-preferred-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Blue Cash Preferred\u00ae Card from American Express<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Capital One Venture Rewards Credit Card<\/h3>\n<p><strong>Sign-up bonus: <\/strong>Earn 75,000 miles once you spend $4,000 on purchases within the first three months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year.<\/p>\n<p><strong>Annual fee: <\/strong>$95<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/06\/Capital-One-Venture-Rewards_2024-UPDATE.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> The best thing about the Venture card is its simplicity. You can earn 2 miles per dollar spent on nearly everything. The exceptions are earning 5 miles per dollar spent on hotels and car rentals booked through <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-travel-portal\/\" rel=\"noopener\" target=\"_blank\">Capital One Travel<\/a>.<\/p>\n<p><a href=\"https:\/\/thepointsguy.com\/guide\/capital-one-miles\/\" rel=\"noopener\" target=\"_blank\">Capital One miles<\/a> have gained value in recent years thanks to a growing list of <a href=\"https:\/\/thepointsguy.com\/guide\/capital-one-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">transfer partners<\/a>. TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\">valuation<\/a> pegs these miles at 1.85 cents apiece. That makes the sign-up bonus worth $1,638 and provides a 3.7% return on everyday spending.<\/p>\n<p>Beyond the miles, the card also offers a decent amount of perks. These include <a href=\"https:\/\/thepointsguy.com\/credit-cards\/global-entry\/\" rel=\"noopener\" target=\"_blank\">application fee credit for Global Entry or TSA PreCheck<\/a>, two complimentary passes to <a href=\"https:\/\/thepointsguy.com\/guide\/capital-one-lounge\/\" rel=\"noopener\" target=\"_blank\">Capital One lounges<\/a> or <a href=\"https:\/\/thepointsguy.com\/news\/capital-one-plaza-premium-lounges\/\" rel=\"noopener\" target=\"_blank\">Plaza Premium lounges<\/a> <em>(lounge access will no longer be available for Capital One Venture Rewards, starting Jan. 1, 2025<\/em>), and perks like <a href=\"https:\/\/thepointsguy.com\/credit-cards\/whats-covered-by-credit-card-travel-accident-and-emergency-evacuation-insurance\/\" rel=\"noopener noreferrer\" target=\"_blank\">travel accident insurance<\/a>, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cards-rental-car-coverage\/\" rel=\"noopener noreferrer\" target=\"_blank\">secondary auto rental coverage<\/a>, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-for-extended-warranty\/\" rel=\"noopener noreferrer\" target=\"_blank\">extended warranty protection<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/no-foreign-transaction-fees\/\" rel=\"noopener\" target=\"_blank\">no foreign transaction fees<\/a>.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/capital-one-venture-card-review\/\" rel=\"noopener\" target=\"_blank\">Venture card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Learn more: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture\/\">Capital One Venture Rewards Credit Card<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Chase Freedom Flex<\/h3>\n<p><b>Sign-up bonus: <\/b>Earn a $200 bonus after you spend $500 on purchases in your first three months from account opening.<\/p>\n<p><b>Annual fee: <\/b>$0<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Chase-Freedom-Flex-No-Annual-Fee-1.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><b>Why we like it:<\/b> The card has no annual fee but strong earning categories for cash back, and you can convert these earnings to <a href=\"https:\/\/thepointsguy.com\/guide\/chase-ultimate-rewards\/\" rel=\"noopener\" target=\"_blank\">Chase Ultimate Rewards points<\/a> if you or someone in your family has a card that earns these points and has an annual fee \u2014 which can unlock all of <a href=\"https:\/\/thepointsguy.com\/guide\/redeeming-chase-ultimate-rewards-maximum-value\/\" rel=\"noopener\" target=\"_blank\">Chase&#8217;s transfer partners<\/a>. The card also provides valuable World Elite Mastercard benefits, such as cellphone protection.<\/p>\n<p>Cardmembers earn 5% cash back on up to $1,500 in combined spending each quarter on <a href=\"https:\/\/thepointsguy.com\/news\/activate-chase-freedom-5x-earnings\/\" rel=\"noopener\" target=\"_blank\">rotating bonus categories<\/a> (you must remember to enroll for these each quarter) and 5% cash back on travel purchased through <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-rewards-travel-portal\/\">Chase Travel\u2120<\/a>. Cardmembers also earn 3% cash back on drugstore purchases and dining, including restaurants, takeout and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/the-best-credit-cards-to-use-for-food-delivery-services\/\" rel=\"noopener\" target=\"_blank\">delivery<\/a>. You&#8217;ll earn 1% cash back on all other purchases.<\/p>\n<p>Cardmembers can also enjoy 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR ranging from 20.49% \u2014 29.24%.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/chase-freedom-flex-review\/\" rel=\"noopener\" target=\"_blank\">Freedom Flex card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><b>Apply here: <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-freedom-flex\/?pid=7538&amp;tid=post\">Chase Freedom Flex\u00ae<\/a><\/b><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Chase Sapphire Preferred Card<\/h3>\n<p><strong>Sign-up bonus: <\/strong>Earn ,000 bonus Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening.<\/p>\n<p><strong>Annual fee: <\/strong>$95<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Chase-Sapphire-Preferred_April-2024-Update.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> Aside from our recommendation that <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/best-card-apply-first-sapphire-preferred\/\" rel=\"noopener\" target=\"_blank\">this should be the first card in any points and miles collector&#8217;s wallet<\/a>, it&#8217;s <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/sapphire-preferred-more-than-starter-card\/\" rel=\"noopener\" target=\"_blank\">more than just a starter card<\/a>. The card provides compelling benefits, like a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-sapphire-preferred-hotel-credit\/\" rel=\"noopener\" target=\"_blank\">$50 annual hotel credit<\/a>, a 10% annual points bonus, a year of <a href=\"https:\/\/thepointsguy.com\/news\/chase-dashpass-sapphire-freedom-slate\/\" rel=\"noopener\" target=\"_blank\">complimentary DoorDash DashPass for food delivery<\/a> with no fees (activate by Dec. 31, 2027), and a slew of travel protections, as well as no foreign transaction fees. If you want a travel card for your later years but don&#8217;t want a hefty annual fee, this can be a great card for your purse or wallet.<\/p>\n<p>The earning structure is also excellent when compared to other cards with a sub-$100 annual fee. You&#8217;ll earn 5 points per dollar on travel booked through the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-rewards-travel-portal\/\" rel=\"noopener\" target=\"_blank\">Chase Travel\u2120 portal<\/a>, 5 points per dollar on Lyft (through March 2025), 3 points per dollar on dining, select streaming services and online grocery store purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on all travel not booked through the Chase travel portal and 1 point per dollar on everything else.<\/p>\n<p>Chase Ultimate Rewards points \u2014 the points this card earns \u2014 are extremely valuable for their many uses, and this is the card with the lowest annual fee that unlocks all of <a href=\"https:\/\/thepointsguy.com\/guide\/chase-ultimate-rewards-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">Chase&#8217;s transfer partners<\/a>.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/chase-sapphire-preferred-review\/\" rel=\"noopener\" target=\"_blank\">Sapphire Preferred review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-preferred-card\/?pid=22125056&amp;tid=post\">Chase Sapphire Preferred\u00ae Card<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Citi Custom Cash Card (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-custom-cash-card-rates-and-fees\/?tid=post\">rates and fees<\/a>)<\/h3>\n<p><strong>Sign-up bonus:<\/strong> Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. This bonus offer will be fulfilled as 20,000 Points, which can be redeemed for $200 cash back.<\/p>\n<p><strong>Annual fee:<\/strong> $0<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Citi-Custom-Cash-Card.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> Many cards require you to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-customizable-rewards\/\" rel=\"noopener\" target=\"_blank\">choose your preferred earning categories<\/a> in advance, keep track of categories that change each quarter or sign up for bonus earnings to be eligible. Instead, the Custom Cash card automatically doles out bonus earnings in the category where you spend the most each month. There&#8217;s nothing to keep track of in that regard, and you don&#8217;t have to enroll for the extra earnings.<\/p>\n<p>Cardmembers earn 5% cash back on up to $500 spent in their top spending category each billing cycle. The applicable categories include purchases you&#8217;re likely making on a regular basis, such as <a href=\"https:\/\/thepointsguy.com\/credit-cards\/dining\/\" rel=\"noopener\" target=\"_blank\">dining out<\/a>, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-pharmacy\/\" rel=\"noopener\" target=\"_blank\">drugstores<\/a>, gas, groceries, transit and travel.<\/p>\n<p>You also can earn unlimited 1% cash back on all other purchases, including purchases past your $500 limit in the top spending category each billing cycle. Members can redeem their earnings as a statement credit, deposit, check, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-for-amazon-purchases\/\" rel=\"noopener\" target=\"_blank\">Amazon<\/a> purchases, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-for-purchasing-gift-cards\/\" rel=\"noopener\" target=\"_blank\">gift cards<\/a> and certain travel purchases.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/citi\/citi-custom-cash-review\/\" rel=\"noopener\" target=\"_blank\">Custom Cash card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-custom-cash-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Custom Cash\u00ae Card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Citi Double Cash Card (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-double-cash-card-rates-and-fees\/?tid=post\">rates and fees<\/a>)<\/h3>\n<p><strong>Sign-up bonus: <\/strong>Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening, plus an introductory APR of 0% for 18 months on balance transfers only; after that, the variable APR will be 19.24% &#8211; 29.24%, based on your creditworthiness.<\/p>\n<p><strong>Annual fee: <\/strong>$0<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Citi-Double-Cash-Mastercard_2.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> The Citi Double Cash\u00ae Card is a simple way to earn rewards. The card earns 1 <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-citi-thankyou-rewards\/\" rel=\"noopener\" target=\"_blank\">Citi ThankYou point<\/a> per dollar spent on the card and another 1 ThankYou point when paying the bill.<\/p>\n<p>Previously, you needed to take an extra step to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/citi-double-cash-card-thankyou-point-transfers\/\" rel=\"noopener\" target=\"_blank\">convert cash back into ThankYou points<\/a>. That has changed, making the card even simpler to use. Additionally, you have access to <a href=\"https:\/\/thepointsguy.com\/guide\/citi-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">Citi&#8217;s full range of hotel and airline transfer partners<\/a> if you hold another <a href=\"https:\/\/thepointsguy.com\/credit-cards\/citi\/\" rel=\"noopener\" target=\"_blank\">Citi credit card<\/a>, like the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-strata-premier-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Strata Premier\u2120 Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-strata-premier-card-rates-and-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>).<\/p>\n<p>Since there&#8217;s no annual fee, you won&#8217;t find beefy perks on this card. However, the card does offer access to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-vip-event-access\/\" rel=\"noopener noreferrer\" target=\"_blank\">Citi Entertainment<\/a>, which provides special access to purchase tickets to thousands of events and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-fraud-vs-identity-theft\/\" rel=\"noopener noreferrer\" target=\"_blank\">ID theft protection<\/a>.<\/p>\n<p>Thus, you won&#8217;t earn a windfall of points from a sign-up bonus, but the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/zero-interest\/\" rel=\"noopener\" target=\"_blank\">introductory APR offer<\/a> can help you finance a large purchase. Additionally, you&#8217;ll earn 2 points per dollar (1 when you spend, 1 when you pay the bill) on your purchases, and TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\">valuation<\/a> marks those points at 1.8 cents apiece.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/citi-double-cash-card-review\/\" rel=\"noopener\" target=\"_blank\">Double Cash card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-double-cash-card-18-month-bt-offer\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Double Cash\u00ae Card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Costco Anywhere Visa Card by Citi (see <a href=\"https:\/\/thepointsguy.com\/apply\/costco-anywhere-visa-card-by-citi-rates-and-fees\/?tid=post\">rates and fees<\/a>)<\/h3>\n<p><strong>Sign-up bonus:<\/strong> None<\/p>\n<p><strong>Annual fee: <\/strong>$0, but a Costco membership is required<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Costco-Anywhere-Visa.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> For seniors who shop at <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-visa-cards-for-costco\/\" rel=\"noopener\" target=\"_blank\">Costco<\/a> or spend a lot of money on <a href=\"https:\/\/thepointsguy.com\/news\/earn-rewards-and-save-on-gas\/\" rel=\"noopener\" target=\"_blank\">gas<\/a>, this card is a winner for its 2% cash back on Costco purchases online and in-store and 4% back on gas purchases, which isn&#8217;t limited to Costco gas stations, and EV charging. However, the 4% earning rate is limited to the first $7,000 spent per year.<\/p>\n<p>Cardmembers also earn 3% back on eligible <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener\" target=\"_blank\">travel<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/dining\/\" rel=\"noopener\" target=\"_blank\">dining<\/a>, though other cards can earn at higher rates in these categories. However, if you spend a lot on gas or shop often at Costco, you may be looking for a card that earns well on these purchases, and this could be it.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/citi\/costco-anywhere-visa-by-citi-card-review\/\" rel=\"noopener\" target=\"_blank\">Costco Visa card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/costco-anywhere-visa-card-by-citi\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Costco Anywhere Visa\u00ae Card by Citi<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Fidelity Rewards Visa Signature Credit Card<\/h3>\n<p><strong>Sign-up bonus:<\/strong> None<\/p>\n<p><strong>Annual fee:<\/strong> $0<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/Fidelity-Rewards-Visa-Signature-Card.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> It&#8217;s not often that you find a card that earns rewards that can be deposited into a retirement account, health savings account or college savings account. With the Fidelity Rewards Visa, you can do all three, which presents an interesting prospect for seniors and retirees who want to grow their <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-save-for-retirement\/\" rel=\"noopener\" target=\"_blank\">retirement savings<\/a>, plan for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-for-paying-your-medical-bills\/\" rel=\"noopener\" target=\"_blank\">medical expenses<\/a> or help their children and grandchildren prepare for the rising costs of tuition.<\/p>\n<p>Cardmembers earn unlimited 2% cash back on purchases, and your earnings can be deposited into several types of <a href=\"https:\/\/www.fidelityrewards.com\/credit\/benefits.do\" rel=\"noopener\" target=\"_blank\">eligible Fidelity accounts<\/a>. As the name implies, you must have a Fidelity account to work in tandem with the credit card. Since the card has no annual fee, no earning limits and no reward categories to keep track of, it could be a great card for those who want to use their credit card rewards to plan for the future.<\/p>\n<p><em>The information for the Fidelity Rewards Visa Signature Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<h3>U.S. Bank Visa Platinum Credit Card<\/h3>\n<p><strong>Sign-up bonus: <\/strong>No bonus points offer. However, there is an introductory 0% APR on purchases and balance transfers made within 60 days of account opening and on purchases within the first 21 billing cycles. After that, a variable APR of 18.74% to 29.74% will apply.<\/p>\n<p><strong>Annual fee: <\/strong>$0<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/06\/US-Bank-Platinum-Visa-Consumer-Card.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> A common reason for opening a new credit card is getting away from high interest rates on a current credit card where you have a balance. Another reason can be a large upcoming purchase where you are hoping to avoid interest while paying off the balance over time. The U.S. Bank Visa Platinum offers solutions to both of these problems through an introductory 0% APR on purchases and balance transfers. You should note that you will pay a balance transfer fee of 5% (with a minimum of $5).<\/p>\n<p>If you want to take advantage of the introductory APR to help you reduce the interest on existing debt or finance a large purchase, it&#8217;s important to understand that the variable APR after the introductory period ranges from 18.74% to 29.74%. Thus, if you don&#8217;t pay off your balance by that point, you may be back in the same spot where you started.<\/p>\n<p>However, this could be a great card for those who are able to take advantage of the introductory APR and save money while making payments during the first 21 billing cycles of card membership. That&#8217;s longer than the majority of introductory APR offers available today.<\/p>\n<p><em>The information for the US Bank Visa Platinum Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><a id=\"the-best-premium-travel-cards-for-retirees-and-seniors\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">The best premium travel cards for retirees and seniors<\/h2>\n<p>No discussion of the best credit cards would be complete without discussing travel rewards-based cards. The cards above are quality cards to use for everyday purchases. However, being older doesn&#8217;t mean people stop traveling.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-837180414.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">KLAUS VEDFELT\/GETTY IMAGES<\/figcaption><\/figure>\n<p>In fact, if you&#8217;re retired, you may find that you have more time for travel now that you don&#8217;t need permission from your boss. Let&#8217;s look at the best credit cards for retirees and seniors who want premium travel perks since these benefits don&#8217;t end at a certain age.<\/p>\n<h3>Capital One Venture X Rewards Credit Card<\/h3>\n<p><strong>Welcome offer:<\/strong> Earn 75,000 bonus miles after spending $4,000 on your card within three months of account opening.<\/p>\n<p><strong>Annual fee:<\/strong> $395<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.66666666666666%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Venture-X-Capital-One.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> The Venture X has the lowest fee of the cards in this section but still offers quality everyday benefits, a decent earning rate and travel perks that should make your trips more enjoyable.<\/p>\n<p>The card provides a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture-x-travel-credit\/\" rel=\"noopener\" target=\"_blank\">$300 annual travel credit<\/a> for bookings with Capital One Travel, 10,000 anniversary bonus miles each year, reimbursement for your <a href=\"https:\/\/thepointsguy.com\/guide\/global-entry-vs-tsa-precheck\/\" rel=\"noopener\" target=\"_blank\">TSA PreCheck or Global Entry<\/a> application fee, <a href=\"https:\/\/thepointsguy.com\/guide\/all-about-priority-pass-program\/\" rel=\"noopener\" target=\"_blank\">Priority Pass Select membership<\/a> and access to <a href=\"https:\/\/thepointsguy.com\/guide\/capital-one-lounge\/\" rel=\"noopener\" target=\"_blank\">Capital One lounges<\/a> and <a href=\"https:\/\/thepointsguy.com\/news\/capital-one-plaza-premium-lounges\/\">Plaza Premium lounges<\/a> for you and two guests.<\/p>\n<p>You&#8217;ll also get Hertz President&#8217;s Circle status for rental car perks*, cellphone protection and the ability to add up to four free authorized users. These users can enjoy a slew of perks in their own right.<\/p>\n<p>Cardmembers earn Capital One miles, which, according to TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\">valuation<\/a>, are worth 1.85 cents each and can be used with numerous <a href=\"https:\/\/thepointsguy.com\/guide\/capital-one-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">15-plus travel partners<\/a>. The card earns 10 miles per dollar on hotels and rental cars booked with <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-travel-portal\/\" rel=\"noopener\" target=\"_blank\">Capital One Travel<\/a>, 5 miles per dollar on flights booked via Capital One Travel, and 2 miles per dollar on all other purchases. There are also no foreign transaction fees.<\/p>\n<p>Read our full <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture-x-review\/\" rel=\"noopener\" target=\"_blank\">Venture X review<\/a> for all the details.<\/p>\n<p><em>*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through Dec. 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.<\/em><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Learn more: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture-x-rewards-credit-card\/\">Capital One Venture X Rewards Credit Card<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Chase Sapphire Reserve<\/h3>\n<p><strong>Welcome offer:<\/strong> Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.<\/p>\n<p><strong>Annual fee:<\/strong> $550<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/02\/Chase-Sapphire-Reserve_Update-2024.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> Despite a higher annual fee, the perks and benefits offered by the card can easily be justified by those who travel often and are able to use the card&#8217;s benefits. These include an <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-sapphire-reserve-annual-travel-credit\/\" rel=\"noopener\" target=\"_blank\">annual $300 travel credit<\/a> that applies automatically to a broad range of travel expenses; access Priority Pass Select lounges; <a href=\"https:\/\/thepointsguy.com\/guide\/chase-pay-yourself-back\/\" rel=\"noopener\" target=\"_blank\">Pay Yourself Back<\/a> and travel portal redemptions at elevated rates; application fee reimbursement for TSA PreCheck, Global Entry or <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/credit-cards-reimburse-nexus-application\/\" rel=\"noopener\" target=\"_blank\">Nexus<\/a>; and numerous travel and shopping protections. There are also no foreign transaction fees.<\/p>\n<p>The card earns Ultimate Rewards points that, according to TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\">valuation<\/a>, are worth 2.05 cents apiece. You&#8217;ll earn 10 points per dollar on hotels and car rentals booked through <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-rewards-travel-portal\/\" rel=\"noopener\" target=\"_blank\">Chase Travel\u2120,<\/a> 10 points per dollar on Lyft rides (through March 2025), 5 points per dollar on airfare booked through the Chase travel portal, 3 points per dollar on dining and other travel spending and 1 point per dollar on other purchases. (Note that you do not earn bonus points on purchases covered by the $300 travel credit.)<\/p>\n<p>The annual fee can be justified for those who can utilize the card&#8217;s perks, and the travel protections can provide peace of mind when something goes wrong.<\/p>\n<p>Read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/chase-sapphire-reserve-review\/\" rel=\"noopener\" target=\"_blank\">Chase Sapphire Reserve review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\">Chase Sapphire Reserve\u00ae<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>The Platinum Card from American Express<\/h3>\n<p><strong>Welcome offer:<\/strong> Earn 80,000 bonus points after you spend $,000 on purchases in the first six months from account opening.<\/p>\n<p><strong>Annual fee:<\/strong> $695 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\">rates and fees<\/a>)<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Why we like it:<\/strong> While <a href=\"https:\/\/thepointsguy.com\/credit-cards\/is-amex-platinum-worth-fee\/\" rel=\"noopener\" target=\"_blank\">the annual fee can be a bit shocking<\/a> at first, the Platinum Card offers premium travel perks and benefits plus everyday lifestyle credits that add up to well more than the annual fee if you are able to use them.<\/p>\n<p>This includes <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-platinum-hotel-credit\/\" rel=\"noopener\" target=\"_blank\">up to $200 in prepaid hotel credits<\/a> per year, up to $240 in streaming credits per year, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/walmart-plus-amex-platinum\/\" rel=\"noopener\" target=\"_blank\">reimbursement for a Walmart+ membership<\/a>, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/choosing-your-amex-platinum-200-airline-fee-credit\/\" rel=\"noopener\" target=\"_blank\">up to $200 in airline incidental credits<\/a>, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/uber-amex-cardholder-benefits-changes\/\" rel=\"noopener\" target=\"_blank\">up to $200 in Uber Cash<\/a> (which you can also <a href=\"https:\/\/thepointsguy.com\/news\/use-amex-platinum-uber-credit-while-at-home\/\" rel=\"noopener\" target=\"_blank\">use for Uber Eats<\/a>)- You must have downloaded the latest version of the Uber App and your eligible Amex Platinum Card must be a method of payment in your Uber account, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/guide-to-using-the-amex-platinum-clear-credit\/\" rel=\"noopener\" target=\"_blank\">Clear membership fee reimbursement<\/a> and access to a wide range of <a href=\"https:\/\/thepointsguy.com\/guide\/the-ultimate-guide-to-amex-centurion-lounges\/\" rel=\"noopener\" target=\"_blank\">airport lounges<\/a> (with up to two guests, depending on the lounge), among other benefits. Note that enrollment is required in advance for select benefits. The card also offers several <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-cards-travel-protections\/\" rel=\"noopener\" target=\"_blank\">travel protections<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-shopping-protections\/\" rel=\"noopener\" target=\"_blank\">shopping protections<\/a>.<\/p>\n<p>The card also earns <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-amex-membership-rewards\/\" rel=\"noopener\" target=\"_blank\">Membership Rewards points<\/a> that, according to TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\">valuation<\/a>, are worth 2 cents apiece: 5 points per dollar on flights booked directly with an airline, 5 points per dollar on prepaid flights and hotels from <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-travel-guide\/\" rel=\"noopener\" target=\"_blank\">Amex Travel<\/a> (on up to $500,000 of these purchases per year, then 1 point per dollar) and 1 point per dollar on other purchases. This won&#8217;t be your <a href=\"https:\/\/thepointsguy.com\/credit-cards\/everyday-spending\/\" rel=\"noopener\" target=\"_blank\">best card for everyday spending<\/a>, but using it to pay for travel and taking advantage of the perks can really elevate your travel experience.<\/p>\n<p>Read our full <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/amex-platinum-review\/\">Platinum Card review<\/a> for all the details.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-platinum-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Platinum Card\u00ae from American Express<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>One size does not fit all here. Seniors and retirees are not all alike, and you may even find that one card from our list does not meet all of your needs. You should consider your spending habits and personal goals (including travel) at this stage in your life to find a card that rewards you for purchases you make often and provides perks that you can actually use in a way that more than compensates for the card&#8217;s annual fee.<\/p>\n<p>Whether you&#8217;re looking for cash back, 0% APR for large purchases coming soon, a card that rewards a particular spending need or a card that offers premium travel perks, you should be able to find a card or two that merit a place in your wallet.<\/p>\n<p><em>For rates and fees of the Blue Cash Everyday, please click <a href=\"https:\/\/thepointsguy.com\/apply\/blue-cash-everyday-card-from-american-express-rates-fees\/?tid=post\">here<\/a>.<\/em><br \/><em>For rates and fees of the Blue Cash Preferred, please click <a href=\"https:\/\/thepointsguy.com\/apply\/blue-cash-preferred-card-from-american-express-rates-fees\/?tid=post\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Platinum, please click <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\">here<\/a>.<\/em><\/p>\n<p><em>For Capital One products listed on this page, some of the above benefits are provided by Visa\u00ae or Mastercard\u00ae and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>We spend a lot of time talking about travel and the best credit cards for things like no foreign transaction fees, restaurants, supermarkets and more. We also have guides to the best credit cards for students. But another group that deserves its own consideration is seniors and retirees, given their differing lifestyles from these other 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But another group that deserves its own consideration is seniors and retirees, given their differing lifestyles from these other&hellip;","_links":{"self":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/8164"}],"collection":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/comments?post=8164"}],"version-history":[{"count":1,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/8164\/revisions"}],"predecessor-version":[{"id":8166,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/8164\/revisions\/8166"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/media\/8165"}],"wp:attachment":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/media?parent=8164"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/categories?post=8164"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/tags?post=8164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}