Best Unknown Credit Cards (Hidden Stones)

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A few big names in the credit card world – the Chase Sapphire Preferred® Card, Chase Sapphire Reserve and The Platinum Card® from American Express, for example – are getting a lot of press. They can offer a big welcome bonus, like the Sapphire Preferred; a suite of useful benefits for frequent travelers, such as the Sapphire Reserve; or access to exclusive Centurion lounges, such as the Amex Platinum. And while they may come with an annual fee, these perks can certainly outweigh the cost.

Still, there are plenty of cards on the market that don’t get as much fanfare, but can still deliver a ton of value to cardholders.

Ultimately, the value of a card to you depends on your personal preferences, and the “best” does not exist. It’s all about finding the one that best fits your spending habits and financial goals. It is also important to pay your credit card bills on time and in full each month; otherwise, the interest you pay on that debt may cancel out the value of any perks or perks that may be associated with your card.

With that in mind, we’re taking a closer look at what we think are the best among these lesser-known cards.

AAdvantage® Aviator® Red World Elite Mastercard®

If you didn’t know better, you might think this card’s bonus offer is too good to be true. You will earn 60,000 American Airlines AAdvantage miles after paying the annual fee of $ 99 and making a purchase within the first 90 days of joining the card.

There is no minimum amount neither for this purchase, which means you can spend around $ 100 and earn 60,000 American Airlines miles, in a very short time. According to our estimates, these miles are worth $ 840. This number alone more than compensates for the annual membership fee.

Each anniversary year, you will receive up to $ 25 in statement credits for in-flight Wi-Fi purchases on American Airlines flights, as well as a companion certificate for a guest valued at $ 99 afterwards. have spent $ 20,000 on purchases. Your account must also remain open for 45 days after your anniversary date.

Cardholders also get 25% off food and drink on American Airlines flights and will earn 2 miles per dollar on all qualifying American Airlines purchases.

Usually, we only recommend co-branded airline and hotel credit cards to travelers who travel with this airline or frequently stay at this hotel chain. In this case, however, it may be a good idea for even an occasional flyer to request the card due to this relatively easy-to-achieve sign-up bonus.

Pro tip

You can earn 60,000 American Airlines purchases just by paying an annual fee of $ 99 and making a 90-day purchase.

With 60,000 American Airlines miles, you can fly from New York to Rome and return for just the cost of taxes and fees, or round trip from New York to Los Angeles and have 20,000 miles remaining, or take two people with you from Philadelphia to Roundtrip travel to Miami.

American Express Blue Cash Preferred® Card

The Amex Blue Cash Preferred Card is a cash-back credit card that earns 6% cash back in U.S. supermarkets (up to $ 6,000 in purchases per year, then 1%) and select subscriptions to streaming. In fact, it’s one of the only cash back cards available that we think is worth the annual fee (which is $ 95, waived for the first year.)

Eligible Streaming Categories on this map include: Disney +, Hulu, Netflix, HBO Max, Apple Music, Spotify and many more. In other words, this card basically rewards you for watching your favorite shows and listening to all your favorite albums.

It also earns 6% cash back in US supermarkets, which can also add up to a hefty sum. By comparison, the American Express® Gold Card, another flagship grocery card, earns 4 points per dollar in US supermarkets (up to $ 25,000 per calendar year in purchases, then 1x). While they differ in terms of cash back versus travel points, and the choice of one or the other may depend on your financial goals and lifestyle, the Blue Cash Preferred Card is a great one. leading card in grocery shopping and streaming services.

  • Introductory bonus:
  • Annual subscription :

    $ 0 introduction for the first year; $ 95 after that

  • Regular APR:

    20.99% (variable)

  • Recommended credit:

    670-850 (good to excellent)

  • Learn more external link icon on the secure site of our partner.
  • Introductory bonus:

    No current offer

  • Annual subscription :

    $ 99

  • Regular APR:

    15.99%, 19.99% or 24.99% variable depending on your solvency

  • Recommended credit:

    670-850 (good to excellent)

  • Learn more external link icon on our partner’s secure site.
  • Introductory bonus:
  • Annual subscription :

    $ 0 annual start-up fee for the first year, then $ 95.

  • Regular APR:

    13.99% -23.99% Variable

  • Recommended credit:

    670-850 (good to excellent)

  • Learn more external link icon on the secure site of our partner. See prices and fees, conditions apply.

US Bank Cash + ™ Visa Signature® card

For a no annual fee credit card, this offers some of the most flexible benefits. With it, you will earn 5% cash back on two categories of your choice all shifts; it includes categories that most cards don’t offer, such as department stores, furniture stores, gyms, fast food, and even movie theaters.

Plus, you’ll earn 2% cash back on your choice of gas stations, restaurants, and grocery stores, which can help you maximize your income even more.

This card offers a flexible way to tailor your credit card strategy to your budget and lifestyle.

Spark Miles for Capital One companies

This business credit card, like a handful of Capital One Spark cards, comes with a coveted but rare credit card perk: price protection. It is insurance against price fluctuations on your purchases. In other words, if the price of an item you just purchased drops, your credit card issuer will refund the price difference to you if you purchased the item with that card.

It differs from purchase protection, which is a type of credit card insurance that gives you peace of mind if an item you have purchased is broken or stolen within a certain time frame.

With the Spark Miles for Business card, you can be reimbursed up to $ 500 per item and up to $ 2,500 per year. If you purchased an item within 60 days and another retailer lowers the price of the item, you may be refunded for that difference.

Final result

There are a handful of credit cards that might not be a priority, but still offer great value in terms of perks, welcome offers, or even insurance. Depending on your preferences, one or more of these could fit into your overall credit card strategy.

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