Best Rewards Credit Cards - October 2026

• You may be eligible for as high as 175,000 Membership Rewards^® points after $12,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Amex discloses your exact offer after application and before you accept the Card.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• Global Lounge Collection access includes Centurion Lounges, 10 complimentary Delta Sky Club visits when traveling on an eligible Delta flight, Priority Pass Select after enrollment, and selected partner lounges. Visit limits and entry conditions apply.
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
  $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• Receive up to $219 in statement credits per calendar year after you sign up and pay for a CLEAR+ Membership with your eligible Platinum Card^®. Membership is subject to auto-renewal. Terms apply.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• Amex Member Services is available 24/7 for assistance with the Card and account.
• $895 annual fee.
• Terms Apply.

Pay Over Time and booking conditions

Pay Over Time has a variable APR of 19.74% to 28.74% on eligible charges. It is not a universal purchase APR for every card charge. From January 1, 2027, Fine Hotels + Resorts bookings must also be for at least two nights to qualify for the $600 Hotel Credit; The Hotel Collection already requires two nights.

Sources checked October 25, 2026: Amex Platinum offer and terms, Amex Platinum benefits.

• You may be eligible for as high as 100,000 Membership Rewards Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 5X Membership Rewards points per dollar on prepaid hotels booked through AmexTravel.com or the Amex Travel App. Earn 2X on eligible prepaid car rentals through those channels and cruises booked and paid through AmexTravel.com. Other eligible travel bookings are subject to the issuer’s terms; multipliers are total rates and do not stack.
• Earn 1X Membership Rewards point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express Gold Card at U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express Gold Card for eligible purchases at qualifying U.S. Resy restaurants: up to $50 January–June and $50 July–December, for up to $100 per calendar year across all cards on the enrolled account. Enrollment required; a reservation alone does not earn the credit.
• Up to $120 in Dining Credit per year: up to $10 in statement credits per month for eligible purchases paid with the Gold Card at Grubhub including Seamless, Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder. Enrollment required; unused monthly allowances do not become an annual cash payment.
• The Hotel Collection: a $100 property credit for eligible charges on a qualifying booking of at least two nights through AmexTravel.com or the Amex Travel App. Eligible charges and properties vary. This is a stay-specific property benefit, not an unconditional annual statement credit.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

• Earn 75,000 miles after $4,000 in purchases within three months of account opening.
• Receive a one-time $300 Capital One Travel Stays credit for hotels and vacation rentals through the portal; it expires one year after account opening. Credit-funded amounts do not earn rewards.
• Earn 2 miles per dollar on purchases and 5 miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
• Annual fee: $95. No foreign transaction fees. Variable purchase APR: 19.74% to 28.74%.
• The new-cardmember bonus is unavailable if you received a Venture or Venture X new-cardmember bonus in the past 48 months. The account must be open and in good standing to use the credit; terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

• Earn up to 115,000 bonus points. Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
• $195 Annual Fee
• Enjoy automatic Aeroplan 25K Status with benefits such as Priority Check-In, Priority Boarding (Zone 2), Additional Baggage Allowance, Star Alliance Recognition and eUpgrade Credits.
• Earn up to 5X total points for each dollar spent on Air Canada purchases: 3X points with your card, plus 2X points from Air Canada as an Aeroplan 25K member. Earn 3X points on travel purchases.
• Earn 2X points for each dollar spent at grocery stores, on dining at restaurants, and at gas stations. Through December 31, 2026, grocery store and dining purchases earn 3X points. Earn 1X point for each dollar spent on all other purchases.
• Up to $100 in Air Canada statement credits (delivered as up to two $50 credits semi-annually).
• Save 15% on eligible Air Canada flight redemptions as a cardmember.
• Free first checked bags on Air Canada flights for the cardmember and up to eight people on the same reservation.
• No foreign transaction fees.
• The new cardmember bonus is not available to current cardmembers, or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months.
• Member FDIC

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
• Receive up to a $120 application-fee credit every four years for Global Entry, TSA PreCheck or NEXUS, subject to the qualifying payment conditions.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/29. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Gas stations, EV charging and eligible vacation-home purchases at participating brands earn 3 points per dollar. The first $100 in Chase Travel hotel purchases covered by the annual credit does not earn points. The card is unavailable if you currently have it open; a previous account or bonus may affect bonus eligibility.

Purchase APR

The variable purchase APR is 19.49% to 27.74%, depending on creditworthiness and the issuer’s terms. It varies with the U.S. Prime Rate. This is not an introductory 0% rate.

Sources checked October 25, 2026: Chase Sapphire Preferred benefits, Chase rates and fees.

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more; you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck

Eligibility and lounge guests

You are not eligible for this welcome bonus if you received a new-cardholder bonus for Capital One Venture X in the past 48 months. Primary-cardholder lounge access does not provide complimentary guests by default. Guests cost $45 at age 18+, $25 at ages 2–17 and are free under age 2 at Capital One Lounges and Landings; Priority Pass guests cost $35 per visit. With $75,000 in eligible calendar-year spending, up to 2 Capital One Lounge guests and 1 Landing guest per visit may qualify for complimentary access. This exception excludes Priority Pass. Additional-cardholder lounge access costs $125 annually.

Purchase APR

The variable purchase APR is 19.74% to 28.74%, depending on creditworthiness and the issuer’s terms. It varies with the U.S. Prime Rate. This is not an introductory 0% rate.

Sources checked October 25, 2026: Venture X offer and terms, Capital One bonus eligibility, Capital One lounge terms, Global Entry and TSA PreCheck credit.

• Limited-time offer: up to 300,000 miles and a $1,000 Capital One Business Travel credit.
• Within the first four months: earn 150,000 miles after $40,000 in purchases, then another 150,000 miles and the $1,000 credit after $120,000 in cumulative purchases.
• The $1,000 welcome credit posts within two billing cycles and expires 16 months after account opening. Apply it at checkout through Capital One Business Travel.
• Receive a separate $300 annual Capital One Business Travel credit, expiring the day before the next account anniversary at 11:59 p.m. ET, and 10,000 miles after each anniversary. Credit-funded amounts do not earn rewards.
• Earn 2 miles per dollar on purchases; earn 10 miles on hotels and rental cars and 5 miles on flights and vacation rentals booked through Capital One Business Travel.
• Annual fee: $395. No foreign transaction fees. Designed to be paid in full, with an option to carry part of the balance with interest under the account agreement.
• The bonus may not be available to existing or previous Capital One Business cardholders. Start the application from this offer’s page. The account must be open and in good standing for the credits; terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

American Express ZO — Tishman Speyer

ZO access is for the eligible U.S. Basic Business Platinum holder, subject to participating U.S. locations and availability; international locations are excluded. The personal Platinum Card is not included in this benefit’s eligible-card list.

Amex benefit enrollment is not required. Entry requires the eligible card, matching photo ID and a reservation QR code. A ZO Global Access account and reservation are required for Studio and guest passes. ZO staff can assist with a walk-in reservation subject to availability. Clubhouse/Lounge access is complimentary without a fixed visit allotment; Studio is limited to 4 day-pass reservations per month, one location per use.

Up to 4 guest day passes per business week, Monday–Friday: guests must be registered, accompanied by the eligible holder and present matching photo ID and QR code. Unused passes expire at local closing time on Friday and do not carry forward.

The $500 statement-credit maximum is shared by the eligible account per calendar year. Eligible purchases are U.S. ZO/Studio event-space bookings made directly through yourstudio.com or the ZO app, and Dining Club membership purchased directly with its membership representative. Employee-card purchases can qualify for that shared account limit but do not create another credit or access entitlement. Allow up to 8 weeks for credits; refunds, cancellations, merchant processing and account standing can affect eligibility. This is not a $500 credit for everyday restaurant or coworking purchases.

Official Amex benefit terms, checked October 26, 2026

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel^SM, plus $2,500+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel^SM for airline tickets, hotels, including The Edit^SM, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass^TMSelect membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

• Welcome offer: up to 200,000 Membership Rewards points after $15,000 in eligible purchases within the first 3 months. The offer is personalized; a lower amount or no offer may be available. Confirm your own offer before applying.
• Pay Over Time variable APR: 17.99%–28.74%, depending on creditworthiness and other factors, as checked October 26, 2026. This rate applies to the eligible Pay Over Time balance; consult the current Rates & Fees for your account.
• Earn 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X on scheduled flights booked online at AmexTravel.com or in the Amex Travel app and on prepaid hotels through Amex Travel (including eligible telephone hotel bookings). Telephone flight bookings, car rentals, cruises and packages do not qualify for this 3X channel. Enter only qualifying spending in the calculator.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.*
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• ChatGPT Business: up to $300 per account per calendar year, with Amex enrollment by the Basic Card Member or authorized account manager, for qualifying direct OpenAI purchases in the U.S. and U.S. territories where OpenAI is merchant of record. Squarespace: up to $150 per account per calendar year, with Amex enrollment, directly on Squarespace.com or AcuityScheduling.com under the same U.S./territory merchant-of-record rule. Basic and Employee purchases share each account limit. Subscriptions may auto-renew; cancellation and statement-credit terms apply. Walmart+ is limited to 1 monthly membership up to $12.95 plus applicable taxes per account per month; annual plans, Walmart Business+ and Plus Ups are excluded.
• *Terms Apply