Best Credit Cards For Bad Credit Or No Credit

The Amex Gold does come with valuable credits for Dunkin, Uber, Resy, and select dining partners but you have to put in a little work to maximize these benefits. American Express offers several categories of credit cards, each with unique card variations to suit any Card Member from the everyday shopper to the luxury traveler. TPG credit cards writer Chris Nelson frequently transfers Membership Rewards points to SkyMiles whenever Delta runs award flash sales. It earns more points on dining and groceries, although the Green is better for travel. However, the Amex Gold offers much more value to cardmembers in the form of up to $424 in statement credits every year.
The Platinum Card

Travel Benefits and Lounge Access
Here's a side-by-side comparison of all the perks that come with the Amex Platinum and Sapphire Reserve to help you make that decision. Both cards provide top-tier benefits to enhance the travel experience and useful statement credits with savings at popular merchants. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear.
Statement Credits and Lifestyle Per


The Chase Sapphire Reserve offers few elite privileges with rental car companies, namely through its Visa Infinite benefits which includes Avis Preferred Plus access. Here’s a side-by-side comparison of the Amex Platinum Card’s vs. the Chase Sapphire Reserve’s dining and food-related credits. Here’s a side-by-side comparison of the Chase Sapphire Reserve’s vs. the Amex Platinum’s lifestyle and entertainment credits. In contrast, the Chase Sapphire Reserve offers about $708 worth of lifestyle and entertainment credits, which can be increased to $958 if you charge $75,000 to your card within a calendar year. Both include a sub-limit up to $500 for jewelry and watches and a sub-limit up to $500 for cameras and other electronic equipment per covered person per trip. Here’s a head-to-head comparison of the Amex Platinum vs. Chase Sapphire Reserve travel protection perk


But classic doesn't mean outdated, as these cards have received significant makeovers in recent years, resulting in two competitive products aimed at different market segments. If you have questions, please consult your own professional legal, tax and financial advisors. The material made available for you on this website, Credit Intel, is for informational purposes only and intended for U.S. residents and is not intended to provide legal, tax or financial advice. Either way, you’ll tap into valuable perks and the trusted service that comes with being an Amex Card Member. Both the Green and Gold Cards earn Membership Rewards points for every purchase while fitting different spending styles, whether you lean toward travel and commuting costs or everyday dining and grocerie

Best for luxury perks: American Express Platinum Card®
My parents prefer the simplicity of cash-back rewards and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, then 1% after. For a fixed earning rate and no annual fee (see rates and fees), go for the The Blue Business® Plus Credit Card from American Express. Like its consumer counterpart, the Sapphire Reserve for Business earns valuable Ultimate Rewards points and also offers business-related statement credits and perks. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar).
Comparing the best American Express credit cards
A $0 annual fee (see rates and fees), and a three-months-longer 0% intro APR on purchases and balance transfers (15 months vs. 12 months). If its features fit your lifestyle, it's one of the most valuable travel rewards cards you'll find. But with a hefty $895 annual fee (see rates and fees), this card is only worth it if you can take full advantage of its benefits, making this card either an amazing deal or far too expensiv


The Chase Sapphire Reserve card is known for its comprehensive travel benefits, including primary rental car insurance and limited medical and dental coverage. These benefits only apply to the card’s primary cardholder and not to additional Platinum cardholders. The Amex Platinum card includes up to $200 Uber Cash, split into increments of $15 each month (except December, when you Highly recommended Site receive $35 in credit). However, a drawback is that Priority Pass can limit access for guests, even for cardholders, at peak times. With the wide variety of airline transfer partners, Membership Rewards points edge out Ultimate Rewards points for premium flight award redemption


You need a credit score between 550 and 750 to be approved for most unsecured credit cards. There are a few other credit cards for bad credit with no deposit (known as unsecured cards) with instant approval, that are worth considering. Some unsecured cards for bad credit simply aren’t worth bothering with, and some other cards you see offers for might be a bit beyond your reach with bad credit. It reports to the three major credit bureaus each month, which gives you the opportunity to build credit by paying the bills on time and using only a portion of your credit limi