The USAA World MasterCard offers similar benefits to the USAA Rewards American Express Card. The differences, other than one being a MasterCard (making it more widely accepted than the American Express), lie in the rewards program. Rather than rewarding gasoline and grocery purchases, the USAA World MasterCard rewards all purchases with a flat rate for cash back, which could be beneficial to service members who don’t have use for rewards in certain categories. You need to be a servicemember or family member of a qualifying servicemember to qualify for a USAA credit card.
The United Services Automobile Association (USAA) was established by servicemembers who wanted to provide an auto insurance option for other members of the armed forces. These days, it has evolved into one of the largest providers of financial products, including credit cards, for millions of military personnel and their families.
The USAA Platinum® Visa® offers you a choice between the USAA Rewards program and a Cash Rewards program. With USAA Rewards, the USAA Platinum Visa offers a sign-up bonus and flat-rate rewards program which awards one point per dollar spent on all purchases, as well as access to MemberShop and additional military benefits.
Like many of the American Express cards, The Business Platinum Card® from American Express OPEN (a Money Crashers partner) provides prestigious amenities and benefits designed to focus on comfort, in addition to providing monetary value. The Business Platinum card carries one of the highest annual fees of any credit card or charge card, but if you value the perks of carrying an American Express card, you may find it to be worth the annual fee.
It is important to understand that the Business Platinum card is a charge card, rather than a credit card. Charge cards typically require payment in full each month with no option to carry a balance and no preset spending limit.
JetBlue Airways is a popular airline known for providing inexpensive flights to 84 destinations throughout the United States. Its reach also extends to 12 countries in the Caribbean, South America, and Latin America, including the Bahamas, Costa Rica, Jamaica, and Puerto Rico. The JetBlue Card from American Express (a Money Crashers partner) is a simple airline credit card that offers an opportunity for fans of JetBlue to earn TrueBlue points on purchases that can be redeemed for free flights.
- Sign-up Bonus. You can earn a bonus of 10,000 TrueBlue points if you make $1,000 in purchases within the first 3 months of opening your account. These points can be redeemed for two one-way flights, or for one round-trip flight.
Blue from American Express® (a Money Crashers partner) is Amex’s general travel rewards credit card. It’s standard and straightforward, and it may not necessarily offer the extra travel perks and benefits of many airline-specific credit cards.
However, it could still be a useful option for your wallet, especially if you’re looking for a no-annual-fee card that awards points on general travel purchases.
- Sign-up Bonus. You earn a bonus of 10,000 Membership Rewards points if you spend $1,000 within the first 3 months of opening your account. These points can be redeemed for $100 in gift cards.
The Hilton HHonors™ Surpass® Card from American Express (a Money Crashers partner) is similar to its standard version, the Hilton HHonors Card, but provides more rewards and hotel perks in exchange for an annual fee. These perks include Priority Pass membership in airport lounges and complimentary HHonors Gold status.
If you frequently stay at hotels in the Hilton portfolio – including Waldorf Astoria and Embassy Suites – you can earn more free nights with the Hilton HHonors Surpass card than you can with any of the other Hilton HHonors credit cards.
Hilton is one of the most recognizable hotel chains in the world. It has in its portfolio more than 4,000 hotels in 91 countries, and additional brands such as Waldorf Astoria, Doubletree, Embassy Suites, and Hampton Inn.
The Hilton HHonors™ Card from American Express (a Money Crashers partner) – the standard version, as compared to the Hilton HHonors Surpass – offers the opportunity to earn points on purchases that can be redeemed via the HHonors program for award nights at Hilton Hotels and affiliate properties.
By Christina Majaski
Delta Airlines is one of the most popular airlines in the United States and has been ranked the largest airline in the world, with flights serving more than 300 destinations in 64 countries. American Express offers various credit cards that award Delta SkyMiles and provide flight benefits and perks, convenient for various levels of use.
The Platinum Delta SkyMiles® Credit Card from American Express (a Money Crashers partner) falls in between the Gold Delta SkyMiles and Delta Reserve cards, providing an option for Delta fans who fly more frequently than Gold Delta SkyMiles cardholders, yet not quite as much as Delta Reserve cardholders.
The business version of the Gold Delta SkyMiles card, the Gold Delta SkyMiles® Business Credit Card from American Express (a Money Crashers partner), is almost identical to the consumer version. The sign-up bonus, rewards program, and Delta flight benefits are the same except that the business version includes access to the OPEN Savings network.
But when the Gold Delta SkyMiles Business card is compared to other business credit cards, does it stack up?
By Christina Majaski
The Gold Delta SkyMiles® Credit Card from American Express (a Money Crashers partner) provides an opportunity to earn and redeem miles on Delta Airlines. Of the three Delta credit cards available, the Gold Delta SkyMiles charges the lowest annual fee – and it’s waived the first year. That, plus the sign-up bonus and a few attractive flight benefits, make it a great option if you’re a regular Delta customer and want to earn SkyMiles for use on future flights.
Of the three Delta business credit cards offered by American Express, the Delta Reserve for Business Credit Card (a Money Crashers partner) is considered the most elite. It rewards purchases with Delta SkyMiles and provides opportunities to earn elite statuses that feature attractive travel bonuses. The Delta Reserve for Business is an appealing option because of its lack of a foreign transaction fee, its annual and spending-based bonuses, and the fact that it gives business owners a chance to earn more Delta flight benefits than the Gold or Platinum versions of the card – but does it offer enough to justify a higher annual fee?
By Christina Majaski
Delta SkyMiles credit cards range from Gold, the most basic tier with the lowest annual fee, through Platinum, which offers more flight benefits for a higher yearly fee, all the way up to the Delta Reserve Credit Card from American Express (a Money Crashers partner). This final incarnation is considered to be the most elite of all the Amex cards carrying the Delta brand – it features the most card and flight benefits in exchange for the highest annual fee.
If you’re in the market for a credit card that awards SkyMiles, helps you earn elite statuses, and provides flight benefits and extra perks, you may want to consider the Delta Reserve.
There are plenty of business credit cards out there that reward office supply purchases and business-related purchases, but those that reward grocery store purchases are rare – and they usually exclude superstores and warehouse clubs, such as Costco and Sam’s Club. The TrueEarnings® Business Card from Costco and American Express (a Money Crashers partner) attempts to fill that gap and provide small business owners with an opportunity to earn rewards on both gas purchases and purchases made from Costco.
By Christina Majaski
The Plum Card® from American Express OPEN (a Money Crashers partner) is a business charge card that offers rewards for making payments early, rather than rewarding specific spending habits. Take a look at the overall features and benefits of The Plum Card to determine whether it’s suitable for your business’s needs, or whether a more traditional credit card is best.
One key difference to keep in mind when comparing charge cards and credit cards, is that while both offer flexible spending options, a charge card requires you to pay the balance in full each month.
The American Express Blue Sky cards are favorites chosen by travelers who want to earn rewards on travel purchases without committing to a specific airline or travel brand. Plus, the card offers the convenience of redeeming rewards as statement credits against a range of travel purchases.
The Blue Sky Preferred® Card from American Express (a Money Crashers partner) is different from its partner – the standard Blue Sky card – in that it offers more rewards on purchases in exchange for an annual fee.
- Sign-up Bonus. There is currently no sign-up bonus for this card.