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News Releases Category | March 28, 2024

Hilton and American Express Introduce Enhanced Hilton Honors American Express Business Card with Rewards and Benefits to Help Business Owners Elevate Their Travel

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MCLEAN, Va. & NEW YORK – Today, Hilton (NYSE: HLT) and American Express (NYSE: AXP) introduced the enhanced Hilton Honors American Express Business Card , featuring new benefits and up to $240 each year in annual statement credits on eligible Hilton purchases, along with a simplified rewards structure to earn Hilton Honors Bonus Points wherever Card Members spend. The updated Card enables Card Members to use their business purchases to fuel future Hilton stays, all with the powerful backing of American Express.

“At Hilton, we understand the importance of small and medium-sized businesses and are committed to providing unique offerings for business owners and travelers,” said Mark Weinstein, chief marketing officer, Hilton. “Together with American Express, we’re proud to unveil the newly-refreshed Hilton Honors American Express Business Card, that makes Card Members’ Hilton stays especially rewarding. Our Card benefits can elevate business owners’ travel experiences – the accelerated points earned can be redeemed for work trips or unforgettable dream getaways.”

“American Express and Hilton have partnered for over 70 years to provide elevated service and benefits for our business customers,” said Eva Reda, executive vice president, Global Commercial Services Products at American Express. “Business owners have challenging, around-the-clock jobs, and they need rewards that can be used for business trips to meet with clients, suppliers, or team members – or that can be used for personal trips to recharge and find new inspiration. The enhanced Hilton Honors American Express Business Card is designed to help Card Members balance work and life, rewarding business owners across both.”

Rewarding, Flexible Benefits for Everyday Business Spend and Elevated Travel

Now with a sleek metal design, the newly enhanced Hilton Honors American Express Business Card provides accelerated ways for Card Members to earn rewards, an important need particularly for small businesses. 

• Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Hilton Honors Business Card directly with a hotel or resort within the Hilton portfolio
• (NEW) Earn 5X Hilton Honors Bonus Points on other purchases made using the Card on the first $100,000 in purchases each calendar year, 3X Points thereafter
• (NEW) Earn up to $240 back each year on eligible Hilton purchases made on your Card, with up to $60 in statement credits per quarter
• (NEW) Complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club ® program is required. Terms apply. 
• Enjoy Complimentary Hilton Honors Gold status, with perks like an 80% Bonus on Base Points you earn on every stay, space-available room upgrades at select properties, and more
• Upgrade to Hilton Honors Diamond status through the end of the next calendar year by spending $40,000 on eligible purchases on your Card in a calendar year to enjoy benefits like a 100% Bonus on Base Points you earn on every stay, premium Wi-Fi at select properties, and more

In addition to these benefits, the Hilton Honors American Express Business Card offers a number of built-in features that help small businesses seamlessly manage their accounts. Employee Cards can also be added with no annual membership fee.

With these new benefits, the Hilton Honors American Express Business Card will have an annual fee of $195 starting March 28, 2024. New Card Members can take advantage of a limited time welcome offer valid from March 28 – June 5, 2024, to earn 175,000 Hilton Honors Bonus Points after spending $8,000 in eligible purchases on their new Card in their first six months of Card Membership. Terms apply .

The enhanced Hilton Honors American Express Business Card follows the recently enhanced Hilton Honors American Express Surpass ® and Aspire Cards , announced in October 2023 to consumer Card Members. 

For more information, including terms and conditions, about the Hilton Honors American Express Business Card, visit here .

Media Contacts

About hilton.

Hilton is a leading global hospitality company with a portfolio of 22 world-class brands comprising more than 7,500 properties and nearly 1.2 million rooms, in 126 countries and territories. Dedicated to fulfilling its founding vision to fill the earth with the light and warmth of hospitality, Hilton has welcomed over 3 billion guests in its more than 100-year history, was named the No. 1 World’s Best Workplace by Great Place to Work and Fortune and has been recognized as a global leader on the Dow Jones Sustainability Indices for seven consecutive years. Hilton has introduced industry-leading technology enhancements to improve the guest experience, including Digital Key Share, automated complimentary room upgrades and the ability to book confirmed connecting rooms. Through the award-winning guest loyalty program Hilton Honors, the more than 180 million members who book directly with Hilton can earn Points for hotel stays and experiences money can't buy. With the free  Hilton Honors app , guests can book their stay, select their room, check in, unlock their door with a Digital Key and check out, all from their smartphone. Visit  stories.hilton.com  for more information, and connect with Hilton on  Facebook , Twitter ,  LinkedIn ,  Instagram  and  YouTube . 

About Hilton Honors

Hilton Honors is the award-winning guest loyalty program for Hilton’s world-class brands comprising nearly 7,500 properties in 126 countries and territories. Hilton Honors members who book directly through preferred Hilton channels have access to instant benefits, including a flexible payment slider that allows members to choose nearly any combination of Points and money to book a stay, an exclusive member discount and free standard Wi-Fi. Members also have access to contactless technology exclusively through the industry-leading  Hilton Honors app , where members can check in, choose and access their room using Digital Key. Hilton Honors offers its more than 180 million members hundreds of ways to earn and redeem Points, including with select co-branded credit cards . Members can redeem Points for free nights, purchases on Amazon, exclusive experiences, charitable contributions and more. The program is free to join and travelers can enroll online at hiltonhonors.com . Learn more about Hilton Honors at  stories.hilton.com/hiltonhonors , and follow Hilton Honors on Facebook , Twitter and Instagram . 

About American Express

American Express is a globally integrated payments company, providing customers with access to products, insights and experiences that enrich lives and build business success. Learn more at  americanexpress.com  and connect with us on  facebook.com/americanexpress ,  instagram.com/americanexpress ,  threads.net/@americanexpress ,  tiktok.com/@americanexpress ,   linkedin.com/company/american-express ,  twitter.com/americanexpress , and  youtube.com/americanexpress .  Key links to products, services and corporate responsibility information:  personal cards ,  business cards and services ,  travel services ,  gift cards ,  prepaid cards ,  merchant services ,  Accertify ,  Business Blueprint ,  Resy ,  corporate card ,  business travel ,  diversity and inclusion ,  c o rporate responsibility  and  Environmental, Social, and Governance reports .  

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Is the Amex Business Platinum card worth it?

Amex business platinum card rewards, amex business platinum card benefits, amex business platinum card fees, rates & limit, how the amex business platinum card compares, is the amex business platinum card right for me, how do i apply for the amex business platinum card, faq: amex business platinum card.

Amex Business Platinum Card Review 2024: Is It Worth It?

• The Business Platinum Card® from American Express offers a chance to earn 5x points on travel and rack up points on everyday business spending too.
• Card members can benefit from more than $1,000 in statement credits every year.
• This card does come with an annual fee of $695 ( see rates and fees ).
• You can carry a balance for some charges with the Pay Over Time feature, but not for all.

At first glance, The Business Platinum Card® from American Express comes with a high admission price — its annual fee is almost $700. However, when you dig into the benefits, you find out that it also comes with more than $1,000 in statement credits annually and ample opportunity for earning valuable points. That’s especially true if you book travel for yourself or your employees regularly.

Find out more about this card to decide if it’s right for you in our Amex Business Platinum card review.

We’ll take a look at:

• How you can maximize rewards with this card
• What types of statement credits you can get
• Whether this is a charge card or credit card
• How to apply for the Amex Business Platinum card
• Excellent welcome offer
• Easy to earn points
• Great travel benefits
• No intro APR offer
• Hefty $695 annual fee
• High spending requirement for welcome offer

The Business Platinum Card® from American Express may be worth it for business owners who travel frequently and can take advantage of its premium travel benefits, such as Amex lounge access worldwide. It also comes with high point earnings on select purchases, which makes it a great option for businesses that spend on more than just travel.

However, this American Express card does come with a substantial annual fee of $695. This makes it less appealing for small businesses that don’t usually spend much on travel. In these cases, you may prefer another business credit card better suited to your organization.

Amex Business Platinum pros and cons

• A generous welcome offer
• 5x points on prepaid flights and hotels booked through American Express Travel
• Comprehensive travel benefits including access to Amex lounges worldwide
• Up to $1,400 in credits, including for airline fees, Dell purchases and more
• A high annual fee of $695
• A more complex rewards system that requires careful management and an understanding of your options
• Requires good to excellent credit

Learn more about the Amex Business Platinum card

Terms apply / Rates & fees

As the flagship business rewards card , the Amex Business Platinum offers an excellent rewards structure, especially if you book regular travel for yourself or your staff. 

Welcome offer

You can earn 120,000 Membership Rewards Points when you spend $15,000 in the first three months of holding this card. 

The value of rewards points depends on how and when you redeem them, but the average is around 1 cent per point. That means this welcome offer has a potential value of around $1,200.

Earn Amex Business Platinum rewards

You can earn valuable rewards points outside of the welcome offer too, including:

• 5x points when you book prepaid flights and hotel stays through American Express Travel
• 1.5x points on certain business expenses, such as electronic goods, construction and hardware expenses, software subscriptions and expenses and shipping
• 1.5x points on any purchase of $5,000 or more
• 1x points on all other purchases

Redeem Amex Business Platinum reward points

You can redeem Amex Platinum Business card rewards in a variety of ways, providing flexibility on how you use these perks. 

Some options include:

• Booking travel.  When you use your rewards to book through American Express Travel, you typically get the most value per point.
• Transferring points. Amex lets you transfer points to hotel and airline rewards programs, including Delta, Marriott Bonvoy and Virgin Atlantic. You need at least 500 points to transfer and must transfer in increments of 250 points.
• Shopping.  You can use your points to purchase gift cards and merchandise.
• Receiving a statement credit. Request a conversion to cash back and get a statement credit using your points.
• Donating to charity. In some cases, you can redeem points for charity donations—a benefit that could help with goodwill for your business. 

In addition to a pretty strong rewards structure, the American Express Business Platinum card offers some great benefits for business card members . 

Travel benefits

Amex is known for its travel cards , and the Amex Business Platinum is no exception.

Some travel benefits you can get with this card include:

• American Express Global Lounge Collection.  Platinum cardholders get access to Amex lounges across the globe, making business travel more enjoyable. 
• Marriott Bonvoy Gold Elite status. You can leverage our card membership status to upgrade to Elite status with this hotel rewards program without meeting stay requirements. That can help you earn free nights and other perks faster. 
• Hilton Honors Gold status.  Not a Marriott Bonvoy member? That’s okay because you get a similar benefit with Hilton’s hotel rewards program. 
• Fine Hotels & Resorts program.  When booking luxury and other hotel stays through American Express Travel, you can get hundreds of dollars in perks and upgrades, making any stay more enjoyable. 
• Travel insurance. By paying for travel expenses with your Amex Platinum Business card, you get automatic Amex travel coverage that helps mitigate losses due to delayed or canceled trips, interruptions during travel, damage to rental cards or lost or delayed baggage.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

Statement credits

The Amex Business Platinum card comes with a bevy of statement perks every year to help your business save money. 

Options include:

• Indeed statement credit. You can get up to $90 back each quarter on purchases you make with Indeed as you work to round out your staff. This credit opportunity is through December 2024.
• Dell statement credit.  Through December 2024, you can earn up to $400 on purchases with Dell in the United States. You can earn up to $200 semi-annually.
• Adobe statement credit.  If you use your Amex Platinum Business card to pay for an auto-renewing Adobe subscription, you can get up to $150 back in statement credits per year.
• Wireless services statement credit. You can get up to $120 back per year when you use your Business Platinum card to pay for services with a U.S.-based wireless phone carrier. 
• Airline fee credit.  You can get up to $200 in credits on airline fees, including baggage fees. You’ll need to choose one airline and spend with that airline to get these perks.
• CLEAR plus credit.  Earn up to $189 back on CLEAR Plus membership annually when you pay with this card.
• Global Entry or TSA PreCheck credit.  Get up to $100 in statement credit every 4.5 years to help cover the cost of either Global Entry or TSA Precheck .

Shopping protections

Using your Amex Business Platinum to make purchases for your company ensures you’re backed by numerous shopping protections.

These protections include:

• Extended warranty. When you use this card to purchase items that have a manufacturer’s warranty of five years or less, you get extended coverage for up to one year. That means if your business laptop, printer, copy machine, or other covered item breaks right after the manufacturer’s warranty is up — as often happens — you’re still covered. 
• Purchase protection. Use your Amex card to purchase items and get peace of mind knowing you can get reimbursed for losses if the item is damaged in an accident or stolen. This coverage is good for up to $10,000 per incident and a total benefit of $50,000 per year.
• Return protection.  If you can’t return your item to a vendor, you may be able to return it directly to Amex and get a refund. 
• Cell phone protection.  Amex coverage will reimburse you for replacement or repair of a damaged cell phone up to $800 total minus a $50 deductible. You can use this benefit up to two times annually as long as you are paying your cell phone bill with your Amex card.

So far, the Amex Business Platinum is stacking up to sound like a great option. But you need to understand the fee structure to know if all those rewards and statement credit opportunities actually end up profiting your business. 

Business Platinum Card from American Express fees

With Amex, huge perks and rewards usually come at a price, and that’s true with this card. The annual fee is $695. However, you can add up to 99 employee cards at no additional fee, and spending on those cards also earns rewards ( see rates and fees ).

Other fees you may pay with this credit card include:

• $39 or 2.99% of any past due balance when you make a late payment, whichever is greater
• $39 if your payment is ever returned

You won’t pay foreign transaction fees if you make purchases outside of the United States.

Business Platinum Card from American Express interest rates

With this card, Amex offers a Pay Over Time feature that lets you carry a balance over time at an APR of 19.49% to 27.49% variable, depending on your creditworthiness. This feature is only available on certain purchases and is limited by a Pay Over Time Limit, which works similarly to a credit limit. 

If you make late payments, you may be assessed a penalty APR of 29.99% variable for 12 billing cycles. The penalty APR applies if you make two or more late payments within 12 months, you have a returned payment or you fail to make a minimum payment at all within an entire statement cycle. 

Business Platinum Card from American Express credit limit

This card doesn’t come with a preset spending limit. The amount you can spend at any one time depends on your credit history and your management of American Express credit card accounts, including this one. As you demonstrate responsible account management, you can typically increase your credit limit . 

Note that the Pay Over Time benefit does come with a limit. This limit might also change as you demonstrate a responsible payment history. You can call Amex to discuss your limits and how much you would like to be able to spend.

While it’s one of the most costly when it comes to an annual fee, the Amex Business Platinum is among the top business rewards cards on the market. It offers plenty of statement credits, rewards opportunities and card member perks, and you may find that you get more benefits from this card than others.

The Business Platinum Card from American Express vs. American Express® Business Gold Card

For businesses that can’t maximize Platinum card perks, an American Express Business Gold Card might be a better option. The annual fee for this card is only $375 ( see rates and fees ), and you earn 4x points on two spending categories you select, 3x points on flights and hotels booked through American Express Travel and 1x points on other purchases. You can also get a welcome offer of 70,000 bonus points when you spend $10,000 in the first three months.

It’s worth noting that you can only earn 4x points in your selected categories on a total of $150,000 in spending annually. After that, spending in those categories earns 1x points. 

While the Business Gold card doesn’t offer quite the same level of perks and statement credits that the Platinum card does, you can still earn $155 in Walmart+ credit and $20 monthly credits for eligible business expenses. 

The Business Gold card also utilizes Pay Over Time features, and the rates and fee structures on this card are the same as they are for the Platinum card. 

Read our full Amex Business Gold card review

The Amex Business Platinum card holds a lot of enticing benefits, but it’s best for businesses that have higher spending budgets. If you’re only spending a few thousand each month, you probably won’t maximize the rewards and perks on this card, making that $695 annual fee a financial albatross.

Explore these alternatives if you’re not convinced the Amex Business Platinum card if the right fit for you.

• Capital One Spark business cards
• Chase business cards

You can learn more about the Amex Business Platinum card and apply online. The application typically only takes a few minutes and requires information such as your full name, Social Security or tax ID number, business name, address and contact information, and some basic information about your business revenue or finances. In some cases, Amex might ask for more information, and you may need to provide documents like tax paperwork or checking account statements.

This card requires good or excellent credit . People with credit scores of 700 or higher have the best chance of being approved for this card, but other factors, such as income and overall credit history, are factors in approval.

What credit score do you need for an American Express Business Platinum Card?

You need good or excellent credit to get approved for this card, and a higher score improves your chances. Look to apply for this card if you have a score of 700 or higher. If your score is lower, you may want to consider other options.

How much does the American Express Business Platinum Card cost each year?

The annual fee on this card is $695. However, if you maximize statement credit and rewards opportunities, you can balance out that cost and end up earning with this card.

Can you carry a balance on Amex Business Platinum?

Yes, you can carry some balances forward using the Pay Over Time feature. You must pay other balances off every statement cycle.

How do you redeem American Express Platinum points?

You can redeem American Express points earned with the Platinum card on travel, as statement credits or for various other purchases, including gift cards. Redeem points for travel via American Express Travel or by transferring the points to a hotel or airline loyalty rewards program that participates with Amex.

What type of business do I need to get an American Express Business Platinum Card?

Amex accepts applications from all types of business owners. You can apply as a sole proprietor even if you are the only employee of your business, for example. Whether you are approved has less to do with your business type and more to do with your credit history, business income and ability to make your statement payments.

What airport lounges do I have access to with my American Express Business Platinum Card?

Card members can access more than 1,400 airport lounges across the globe. That includes Aspire, Escape, Plaza Premium, Delta Sky Club and Priority Pass lounges. Some lounges require you to enroll in a program or be flying a certain airline that day.

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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Robinhood’s new credit card goes after Apple Card with ability to invest cash-back perks

Eight months after acquiring credit card startup X1 for $95 million, Robinhood announced today the launch of its new Gold Card, with a list of features that could even give Apple Card users envy.

Robinhood, better known for its brokerage app aimed at the everyday investor, is touting all sorts of benefits with its new card in an attempt to attract users. The card has no annual or foreign transaction fees. However, it will only be available for Robinhood Gold members, which costs $5 a month, or $50 annually. ( Gold is a program that offers other benefits like 5% APY on an account’s uninvested brokerage cash.) 

Gold Card users can earn 3% cash back on all categories, including restaurants and groceries, and 5% cash bank when booking travel at Robinhood’s new travel portal. That cash back can be transferred to brokerage accounts, which can go toward making investments like stock purchases, the company says. The ability to invest using cash back is th e big innovation that X1 developed prior to getting acquired .

Another interesting feature of the Gold Card includes the ability to provide cards for family members. This is the first time that Robinhood has introduced a family-oriented financial product, Robinhood Money General Manager Deepak Rao told TechCrunch. Rao was the founder and CEO of X1 before joining Robinhood in the acquisition. 

Users will have the ability to add up to five family members as cardholders to their account with every cardholder receiving their own card. Additional cardholders can be any age, giving parents a way to help teens build credit and monitor spending. The ability to provide cards to family members will extend even to those visiting from other countries.

“A user can provide cards to parents, children or caregivers and set the right kind of controls and protection, while also helping them build their credit,” Rao said. “They don’t have to provide any other information than their name and date of birth and Social Security number if they have one. If you’re worried about spending limits, you can put a dollar amount limit and also a child-safe mode for kids.”

The Card also allows users to create and delete virtual cards for one-time purchases and will have an APR of 20.24% – 29.99%, which Robinhood said will vary with the market based on the Prime Rate.

Robinhood is also making its physical cards numberless so if they are lost or stolen, users won’t have to swap out all their card information. The company is also launching a new app to go along with the new Gold Card that will be completely separate from its investment app, Rao said. 

Generally, the Gold account offers up to $2.25 million FDIC insurance from a network of partner banks.

Robinhood’s entrance into the credit card market is clearly taking a cue from the likes of Apple, which has seen great success with its own card (despite hiccups with its partnership with Goldman Sachs ). By forgoing hidden fees like annual or late fees, and by applying its cash back daily, Apple Card topped more than 12 million users as of January.

Many cards offer cash back but often restrict it to certain categories. This card is generous in its cash-back offer. Apple, for instance, offers 3% cash back on all purchases made at Apple, and on purchases made at select merchants when using the Apple Card with Apple Pay. In general, purchases made on Apple Card with Apple Pay earn users 2% back. But Apple also offers a Family Sharing feature, and a high-yield savings account offering 4.5% interest.

Obviously, Robinhood will earn interchange revenue from the credit cards, standard transaction fees paid by the merchants. It has earned interchange revenue off of its debit cards, which launched in 2018 . Coastal Community Bank is Robinhood’s banking partner on the new Gold Card.

The new credit card is part of Robinhood’s evolving business model and offerings over the years. In December of 2022, the company announced Robinhood Retirement , which it described as the “first and only” individual retirement account (IRA) with a 1% match on every eligible dollar contributed. Gold Membership, a requirement to get the Gold Card, increases the eligible match to  up to 3% match.

“There’s always been special perks and opportunities reserved for the wealthy that make them even richer. It’s why we started Robinhood…” Robinhood co-founder and CEO Vlad Tenev said in a written statement. “Today’s announcements…bring us one step closer to the goal of giving everyone better access to the financial system.”

Robinhood Gold Card, explained:

What are the requirements to apply for a robinhood gold card.

You must be a Robinhood Gold card member.

You must first meet the following credentials in order to apply for a card:

• Must have a Robinhood Gold account.
• Be 18 years or older
• Have a valid social security number (not a taxpayer identification number)
• Have a legal U.S. residential address within the 50 states (exceptions may apply for active U.S. military personnel stationed abroad)
• Be a U.S. citizen, U.S. permanent resident, or have a valid U.S. visa

Are there monthly fees associated with a Robinhood Gold Card?

You must be a Robinhood Gold member to apply for the card. It costs $5 a month, or $50 a year, to become a Robinhood Gold member.

Are there foreign transaction fees associated with a Robinhood Gold Card?

No, there are no foreign transaction fees.

Will my credit be pulled when applying for a Robinhood Gold Card?

Robinhood doesn’t do a hard pull on your credit until you accept the card offer. 

What are the cash back perks and benefits of this card?

• Users can earn 3% cash back on all categories. That cash back can be transferred to brokerage accounts, which can go toward making investments like stock purchases.
• Users will have the ability to add up to five family members as cardholders to their account with every cardholder receiving their own card. 
• Cardholders can create and delete virtual cards for one-time purchases.
• The physical cards will be numberless so if they are lost or stolen, users won’t have to swap out all their card information. 

Is Robinhood Gold FDIC insured?

Robinhood offers up to $2.25 million in FDIC insurance through a network of partner banks.

Want more fintech news in your inbox? Sign up for TechCrunch Fintech here .

This post was originally published March 26 at 4 p.m. PT, and has been updated to include Robinhood’s stream and additional remarks.

• Credit Cards

Most Consumers Want Their Credit Card To Provide Rewards for Everyday Purchases Like Groceries and Gas

Fact Checked

Published: Apr 3, 2024, 11:39am

Table of Contents

Key takeaways, major factors in credit card selection, fee and welcome bonus impact on card selection, credit score impact on card selection, utilizing credit card rewards to offset high costs, tips on how to choose a credit card, how credit cards can help consumers save on everyday purchases, methodology.

Credit cards are a useful and often necessary part of modern finances, but with so many options and factors to consider, choosing the right card can prove challenging. What are Americans looking for in new cards? Do they primarily value brand familiarity, rewards or something else all together?

Forbes Advisor’s recent survey uncovered how Americans are shopping for credit cards and what factors are most important to them when applying.

• 57% of respondents said they are much more or somewhat more inclined to get a credit card from an institution they already bank with. 37% of respondents said they were neither more or less inclined.
• Cash-back credit cards are most popular amongst applicants, with 44% of survey respondents reporting that the card type they most recently acquired was a cash-back credit card.
• 33% of respondents listed “earning rewards on daily purchases” as the top reason why they acquired their most recent credit card while 27% listed “building credit” as their primary motivation.
• Groceries (47%), gas (36%) and dining out or food delivery (29%) were the top spending categories on which respondents hoped to earn rewards.

Our survey sought to determine the key motivating factors for respondents’ recent credit card applications. Pre-qualified offers (33%) and recommendations from friends/family (18%) were the two most common answers. However, the largest percentage of respondents (34%) reported that nothing in particular motivated them to apply for specific cards.

When shopping for a credit card, the majority of respondents (57%) indicated they are somewhat more inclined to choose a card provided by a bank or financial institution they already have an account with. However, more than a third of respondents (37%) were indifferent and a small percentage were actually more inclined to find a new bank for their next card.

Respondents also selected how often they apply for credit cards. Over half—59%—don’t get new cards very often, reporting that they apply for credit less than once every two years. The second largest contingency (20%) said they apply for a new card every year or two. Only a handful get credit cards more often: 10% of respondents reported getting a new card every 6-12 months, 7% every 3-6 months and 5% every 1-3 months.

Welcome bonuses are a driver for a smaller but still significant percentage of new applicants. Of those surveyed, 12% acquired a credit card to receive a sign-up bonus. Those respondents were then asked what makes a welcome bonus most attractive to them. The top responses include:

• High bonus amount: 66%
• Low spending requirement to receive the bonus: 33%
• Long period of time to earn the bonus: 16%

When asked what fees consumers check when applying for a new credit card, annual fees (73%) and interest rates (60%) were the most reported answers. A much smaller percentage of respondents (26%) considered late payment fees, returned payment fees (12%) and foreign transaction fees (8%) as major factors when applying for a new card.

An applicant’s credit history can influence which cards someone is qualified for and therefore which cards they consider. When asked how their credit score impacted their experience when applying for a new credit card, 37% of survey respondents reported credit scores were a factor on whether or not they were approved, 29% in obtaining a higher credit limit and 20% in getting a lower APR.

However, 28% of respondents reported that their credit score did not impact their card selection, approval or specific terms. Applying for cards appropriate to your situation is one way to avoid surprises.

When asked about their primary motivation for getting their most recent credit card, 33% listed “earning rewards on daily purchases”. The most common kind of new credit card, however, was a cash-back card , with 44% of survey respondents acquiring this type of card most recently.

Cash back is so important to consumers that a full third of respondents indicated that cash rewards were the most important feature on their card, beating out credit cards with no annual fee (29%) or introductory offers.

Survey participants also selected the spending categories on which they wanted to earn rewards. Groceries was the top reported answer at 47%, gas at 36%, dining out or food delivery at 29% and travel at 24%.

The right credit card is going to be the one that most closely aligns with your needs and financial situation. Before comparing cards , take stock of your financial goals. Are you looking to earn cash back to offset your spending? Would you prefer a travel rewards card to earn points or miles for a future trip? Maybe a 0% APR card would help you pay off a large debt.

Once you’ve zeroed in on your needs, examine your financial situation to determine the types of cards for which you are likely to be approved. Most new applicants consider credit score and income when looking at new applicants, so you’ll want to know that information before applying. If your credit is good or excellent , you stand a strong chance of being approved for the best credit cards . If you have bad credit , or you are new to credit , there are still numerous options available. But being realistic about your options improves your odds of approval.

Be aware that applying for a credit card will result in a hard inquiry on your credit report. This is a small, short term hit to your credit which usually disappears within a few months. Still, multiple hard inquiries can have a negative impact on your credit score, so you shouldn’t apply for more cards than you need. Many issuers offer pre-qualification or preapproval tools to let you know where you stand before applying.

Find the Best Credit Cards for 2024

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

It may seem counterintuitive to use a credit card to save money, but with responsible usage it’s more than possible. To be clear though, “responsible” is the key word in that sentence. Credit cards are a valuable asset only when they are handled with care. Amassing large debts, failing to pay your statement every month or buying more than you can afford to chase rewards could have potentially catastrophic, long-term effects on your finances.

Assuming you manage your credit well, having a card which rewards your everyday spending will net you solid returns. Let’s say you spend a high percentage of your disposable income at grocery stores. If you hold a grocery rewards card , you could earn robust returns on that spending. The Blue Cash Preferred® Card from American Express (Terms apply, see rates & fees ), for example, earns 6% cash back back on your grocery spending up to $6,000 per year. That’s $360 back to you annually—assuming you max out the spending cap. More to the point, that’s $360 you would not have earned if you paid for those groceries with a debit card or cash.

But it doesn’t have to be grocery spending: There are all kinds of cards that target all types of consumers. You can earn rewards with credit cards for gas , online shopping cards and even cards for specific stores . If you can identify the areas where you spend most, you can find a card that rewards those expenses. In the end, that means money back in your pocket for spending you were going to do anyway.

This online survey of 1,000 American adults who own a credit card was commissioned by Forbes Advisor and conducted by market research company OnePoll, in accordance with the Market Research Society’s code of conduct. Data was collected from Feb 29 to Mar 4, 2024. The margin of error is +/- 3.1 points with 95% confidence. This survey was overseen by the OnePoll research team, which is a member of the MRS and has corporate membership with the American Association for Public Opinion Research (AAPOR).

To view rates and fees for Blue Cash Preferred® Card from American Express please visit this page .

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