Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
5% cash back on your top eligible spend category each billing cycle up to $500 spent.
Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com
3X ThankYou® Points per $1 at Restaurants
3X ThankYou® Points per $1 at Supermarkets
3X ThankYou® Points per $1 on Gas Stations and EV Charging Stations
10X ThankYou® Points per $1 spent on Attractions booked through CitiTravel.com
Prime members, get a $200 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.
2% back at gas stations
5% back at Amazon.com, Amazon Fresh with an eligible Prime membership
2% back at restaurants
5% back on Chase Travel purchases with an eligible Prime membership
Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 6 months of Card Membership.
2X miles at restaurants and U.S. supermarkets
3X miles on Delta purchases
Earn 10,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 6 months of Card Membership
2X miles on Delta purchases made directly with Delta
2X miles on dining at restaurants, including takeout and delivery in the U.S.
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
6X points on dining at U.S. restaurants, including takeout and delivery
6X points on gas at U.S. gas stations
4X points U.S online retail purchases
12X points for eligible purchases at hotels and resorts in the Hilton portfolio
Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 6 months of Card Membership.
3X miles on Delta purchases made directly with Delta
The Platinum Card® from American Express.
New Offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
5X Membership Rewards® points on up to $500,000 per calendar year on flights booked directly with airlines or with American Express Travel via AmexTravel.com
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance
5% cash back on Lyft rides through March 31, 2025
Earn $350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening plus earn a 10% Business Relationship Bonus.
5% cash back on Lyft rides through March 31, 2025
5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
80,000 Bonus Miles After You Spend $5,000 On Purchases In The First 3 Months From Account Opening
4X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
2X miles per $1 spent on dining including eligible delivery services
60,000 Bonus Miles After You Spend $4,000 On Purchases In The First 3 Months From Account Opening + 500 Premier Qualifying Points (PQP)
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
10X total points on hotels when you purchase travel through Chase after the first $300 is spent on travel purchases annually
3X points on dining at restaurants, including eligible delivery services, takeout, and dining out
140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
5X total points on travel
5X total points at gas stations
5X total points on dining
Earn up to 120,000 points - earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
2X points per $1 spent on internet, cable, and phone services
2X points per $1 spent on local transit and commuting, including rideshare services
2X points per $1 spent on social media and search engine advertising
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
2X points on the first $50,000 spent in purchases each year
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.
Earn up to $240 back toward your qualifying AT&T wireless bills every year - it pays to be an AT&T wireless customer. Every billing cycle, earn $20 back as a statement credit after you spend $1000 on purchases or $10 back as a statement credit after you spend $500-$999.99 on your AT&T Points Plus? Card.
Means you won't be held responsible for unauthorized charges made with your card or account information.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get a complimentary 3 months of DashPass, DoorDash's membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.
Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.
Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to purchase pre-sale tickets for music, sports, culinary experiences and more — from virtually anywhere.
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.
Travel benefits your business needs including $1,000,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.
Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.
Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.
Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card - that's a savings of $60 per person roundtrip!
Earn another Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.
Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays, lost luggage and emergency evacuation and transportation.
Enjoy a premium set of benefits when you use your Premium Rewards® card to book through the Visa Signature Luxury Hotel Collection.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signatureregistered® Concierge.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
Get a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a subscription1 to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.
Get a $7 monthly statement credit after using your enrolled Blue Cash Preferred® Card to spend $9.99 or more each month on a subscription1 to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.
You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.
You won't be held responsible for unauthorized charges made with your card or account information.
If a round-trip is paid for entirely with your eligible Card on or after January 1, 2020 and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse the non-refundable travel expenses purchased with the same eligible Card, up to $10,000 per trip and up to $20,000 per eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.
If a round-trip is paid for entirely with your eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse the non-refundable travel expenses purchased with the same eligible Card, up to $10,000 per trip and up to $20,000 per eligible Card per 12 consecutive month period.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your eligible Card on or after January 1, 2020, and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to $10,000 per trip and up to $20,000 per eligible Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and 20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
Help stay protected with travel insurances, including Trip Delay Protection, Common Carrier Trip Cancellation and Interruption Protection, Lost or Damaged Luggage, and MasterRental Coverage (car rental insurance).
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year. Plus, Get $1 Medallion® Qualification Dollar for each $20 in purchases on your Card in a calendar year, getting you closer to the Medallion Status for next Medallion Year quicker.
With MQD Headstart, you can receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and you can get closer to elevated Status for next Medallion® Year.
Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more
Earn IHG One Rewards Gold Elite Status after you spend $20,000 on purchases each calendar year.
Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.
Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.
Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when you use your card.
Receive a statement credit of up to $100 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card.
Receive one statement credit of up to $100 every four years as reimbursement for the application fee charged to your card.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card to your Resy profile.
Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services, including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.
When it's time to travel again, rest assured that our Global Assist® Hotline is still on call for all Card Members traveling more than 100 miles from home.
Enjoy your First Checked Bag Free on Delta Flights.
When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts. When you book through American Express Travel, you'll receive an average total value of $600 in perks, like daily breakfast for two, 4pm check-out, and more. Plus, book on AmexTravel.com and you can earn 5X Membership Rewards points, or use Pay with Points, on prepaid stays with a minimum 2-night stay required to be eligible for the benefit.Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, noon check-in when available, and complimentary wi-fi. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
Your experience is everything — so create new memories with exceptional value. Explore over 1,500 properties worldwide and bask in benefits. When you book Fine Hotels + Resorts®‡ through American Express Travel, you can receive a suite of benefits with an average total value of $6008 in perks.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Keep long airport lines from slowing you down. Basic Card Members can receive a statement credit for a five-year membership every 4 years after applying for Global Entry ($100) or every 4.5 years after applying for TSA PreCheck® (up to $85) through a TSA PreCheck official enrollment provider and pay the application fee with your Delta SkyMiles® Reserve Business American Express Card.
Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any TSA Precheck official enrollment provider (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Receive a fee credit for TSA PreCheck® or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge.
Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Club Card (up to 10,000 Premier qualifying points per calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Quest Card (up to 6,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Earn 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening, or until you reach $10,000 in combined purchases. Normally, these category purchases earn 1 Avios.
Credit Journey provides you with personalized insights to help you build, monitor and protect your credit health. Access your weekly score for free anytime, and dive into our resources like our score simulator and score factor breakdown to understand where you stand. We'll alert you of any new activity on your credit report and usage, in order to help detect any potential fraud.*Opens offer details overlay We're here for you 24/7, 365 days a year if you ever need support, and we'll work together to help you get back on your feet.
With Credit Close-Up you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complementary to Wells Fargo Online® customers and using it won’t negatively affect your score.12 For additional information, visit wellsfargo.com/ficoscore.
Our Concierge staff is available to you day or night as a personal resource for many different aspects of your life. Whether you need to select a restaurant and arrange the details of an upcoming special event or if you want expert advice selecting just the right gift, you can rely on Concierge to coordinate and take care of your requests, big and small. Simply call the number on the back of your Card and say "Concierge" when prompted or send your Concierge request to PlatinumRequests@concierge.americanexpress.com from the e-mail associated with your American Express account."
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
Whether you need help making arrangements for a special dinner, purchasing tickets to a sought-after event, or selecting the perfect gift, Delta SkyMiles Reserve Business American Express Concierge can assist. Simply call the number on the back of your Card, select or say "Concierge" when prompted."
Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Not a Medallion Member? Delta SkyMiles® Reserve Business Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive complimentary Marriott Bonvoy Gold Elite status with your Card, which includes priority late checkout when available and 25% bonus points on stays.
Enjoy even more perks as a Hilton Honors Gold member, like an 80% Bonus on Base Points you earn on every stay, space-available room upgrades at select properties, and more.
Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Surpass® Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight or between connections. You'll also receive four Delta Sky Club One-Time Guest Passes each year.
Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Complimentary access to 1,300+ airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club, after an easy one-time enrollment in Priority Pass™ Select.
Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge–The Centurion Studio Partner.
Get VIP access to benefits at SLS, Mondrian, Delano, House of Originals and Hyde hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night and receive room upgrades, late checkouts, daily complimentary breakfast, a $30 food and beverage credit and much more.
Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles(R) Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card.
Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you'll receive an economy companion ticket good for 12 months.
Misplaced your card? Use Citi Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption. It buys you peace of mind and time to find your card.
Get 50% more value when you redeem for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
Points are worth 25% more when you redeem for travel through Chase Travel℠. For example, 100,000 points are worth $1,250 towards travel.
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card.
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Club℠ Infinite Card.
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Business Card.
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Quest Card.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
On your next Delta flight, enjoy 20% savings in the form of a statement credit on select in-flight purchases when you use your Card.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in'flight purchases of food, beverages, and audio headsets.
Decoding Minimum Payments: Your Guide to Smarter Credit Management
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Knowing how your minimum payment is calculated is crucial for managing your financial health. This knowledge helps you:
Think of your minimum payment as a financial vital sign - it can tell you a lot about your credit card's health and your path to becoming debt-free.
Let's start with a comprehensive overview of how different banks calculate their minimum payments. Below you'll find a quick-reference table showing the calculation methods across major card issuers:
| Bank | Minimum Payment Calculation |
|---|---|
| American Express Personal | The greater of these: $40, 2% of the balance excluding interest and fees*, 1% of your balance plus interest and fees* |
| American Express Business | The greater of these: $35, For a balance of $0-$25,000: 1% of the balance plus monthly interest and fees*, For a balance of $25,000-$75,000: 5% of the balance plus monthly interest and fees*, For a balance over $75,000: 10% of the balance plus monthly interest and fees* |
| Bank Of America | The greater of these: $25, or 1% of the full balance plus the monthly interest and fees |
| Barclay Bank | The greater of these: $27, or 1% of the full balance plus the monthly interest and fees |
| Capital One | The greater of these: $25, or 1% of the full balance plus the monthly interest and fees |
| Chase | The greater of these: $25, or 1% of the full balance plus the monthly interest and fees |
| Citi | The greater of these: $25 or 1% of the full balance plus the monthly interest and fees, or 1.5% of the full balance |
| Discover | The greater of these: $35, or 2% of the full balance or $20 plus the monthly interest and fees |
| Santander | The greater of these: $25, or 1% of the full balance plus the monthly interest and fees |
| Synchrony | The greater of these: $25, or $35 if you had any late payments within the last six months, or 1% of your full balance plus the monthly interest and fees |
| Us Bank | The greater of these: $30, or 1% of your full balance plus the monthly interest and fees |
| Wells Fargo | The greater of these: $15, or 1% of the full balance plus the monthly interest and fees |
Now, let's dive deeper into some of the more complex calculation methods and what they mean for you.
American Express stands out with its unique approach to minimum payments, offering different structures for personal and business accounts.
Your minimum payment will be the greater of:
Additional charge: 1/24th of any amount over your credit limit
Three distinct tiers:
Note: Any amount over your credit limit is due in full
Discover uses a unique calculation method that can work in your favor depending on your APR:
Key Points:
Citi offers a three-option approach to minimum payments:
Key Points:
Most other banks, including Chase, Capital One, and Wells Fargo, follow a simpler formula: Greater of $25 OR 1% of balance plus interest and fees
Advantages:
Advantages:
Important: Always try to pay more than the minimum when possible. Think of minimum payments as a financial safety net, not a recommended payment strategy.
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