The Top 11 Personal Credit Cards for Entreprenistas

At Entreprenista, we’re committed to equipping women founders with the knowledge and tools to make confident decisions that fuel both business growth and personal prosperity. Credit cards are one of the most powerful financial tools entrepreneurs can leverage, and our community often turns to us for guidance on which ones truly deliver. That’s why we surveyed our members to uncover the cards they trust and rely on most so you can make informed choices backed by real Entreprenista insights. 

Day-to-day life brings no shortage of expenses, from bills and groceries to gas and travel. While there’s no getting around that, a rewards credit card can help you earn some of your money back. Many credit cards allow you to earn points, miles, or cash nearly every time you make a purchase. Plus, they often come with valuable cardmember benefits, such as extended warranties, rental car insurance, and even airport lounge access. 

But which personal credit cards are the best, particularly for Entreprenistas managing both a home and a business? Don’t worry, you don’t have to embark on a time-consuming research project. We’ve handpicked 11 top options for you! Whether you want an entry-level card with no annual fee, a mid-tier card with more perks, or a premium card with all the bells and whistles, you’re sure to find a fit below. 

The secret to selecting the perfect card? Start by looking at where you spend the most, identify the perks that matter most to you, and then pick the card that lets you get the biggest rewards for your lifestyle.

Best No-Annual-Fee Personal Credit Cards for Entreprenistas

First up are the personal credit cards that offer rewards and benefits without an annual fee. These can be a good place to start if you want to take advantage of credit card perks but aren’t ready to commit to paying a membership fee each year. 

1. Chase Freedom Unlimited®

A good all-around card with competitive rewards for travel, dining, and drugstore purchases. 

‍Key card specs: 

  • Annual fee: $0
  • Welcome offer: 
    • Promo APR: 0% APR on purchases and balance transfers for the first 15 months your account is open
    • Welcome bonus: $200 if you spend $500 on purchases within the first three months
  • APRs:
    • Purchase APR: 18.99% to 28.49%
    • Balance transfer APR: 18.99% to 28.49%
    • Cash advance APR: 29.24%
  • Other fees:
    • Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater (intro fee of 3% during the first 60 days)
    • Cash advance fee: $10 or 5% of the advance amount, whichever is greater
    • Foreign transaction fee: 3% of the amount
    • Late payment fee: Up to $40

Rewards:

  • 5% cashback on travel purchased through Chase Travel
  • 3% cashback on dining and drugstore purchases
  • 1.5% cashback on all other purchases

‍Notable benefits:

  • Payment plans: Break up credit card purchases into payments, with a fixed monthly fee. 
  • Extended warranty: Extends U.S. manufacturer’s warranties by one year.
  • Trip cancellation/interruption insurance: Get reimbursed for up to $1,500 per covered traveler and $6,000 per trip for non-refundable passenger fares if your trip is canceled or cut short for a covered reason. 
  • Auto rental protection: Provides secondary auto insurance coverage on rental cars.
  • Credit monitoring: Credit Journey helps you monitor and build your personal credit with Experian. 

‍Why Entreprenistas will love it:

The Chase Freedom Unlimited Card offers competitive rewards on travel and everyday purchases. The biggest rewards (5% cashback) come when you book travel through the Chase Travel portal, but you’ll also earn 3% when you eat out (including takeout) and shop at drugstores. 

Other noteworthy perks include low requirements to earn the $200 bonus (you only need to spend $500 in the first three months)and a 15-month 0% introductory APR on both purchases and balance transfers. You’ll also find a decent lineup of card benefits, including trip cancellation/interruption insurance (which doesn’t usually come on cards with no annual fee). 

Entreprenista member & Founder of AIW Business Solutions, Amy Irwin, says the Chase Freedom is her favorite personal credit card. She’s had it forever!

2. Citi Double Cash® Card

A great option if you’re looking to perform a sizable balance transfer and want to save on interest as you pay it off. 

Key card specs: 

  • Annual fee: None
  • Welcome offer: 
    • Promo APR: 0% APR for 18 months on balance transfers completed within four months of opening the account
    • Welcome bonus: $200 cash back if you spend $1,500 on purchases in the first six months
  • APRs:
    • Purchase APR: 18.24% to 28.24%
    • Balance transfer APR: 18.24% to 28.24%
    • Cash advance APR: 29.49% 
  • Other fees:
    • Balance transfer fee: $5 or 5% of the transfer amount, (intro fee of 3% for the first 4 months)
    • Cash advance fee: $10 or 5% of the advance amount, whichever is greater
    • Foreign transaction fee: 3% of the transaction amount
    • Late payment fee: Up to $41

Rewards:

  • 5% cash back on hotels, car rentals, and attractions booked with Citi Travel
  • 2% cash back on all other purchases (1% when you buy and 1% when you pay)

Notable benefits:

  • Citi Entertainment: Gain special access to purchase tickets to events.

Why Entreprenistas will love it: 

The standout feature of the Citi Double Cash Card is an 18-month, 0% APR introductory promotion on balance transfers—the longest interest-free promotional period on this list. If you have credit card debt, transferring it to this card may help you save on interest while you pay down the balance, which can free up cash for other expenses.

You will have to pay a balance transfer fee of 5%, though (at least $5), so be sure to run the numbers and make sure you’ll save overall. Aside from that, you can earn a decent welcome bonus of $200 (if you spend $1,500 in the first six months), 5% cash back on travel booked through Citi Travel, and 2% cash back on all other eligible purchases. 

3. Wells Fargo Active Cash® Credit Card

A no-annual-fee card with simple 2% cash back rewards on all purchases, plus phone insurance and 24/7 roadside assistance. 

‍Key card specs: 

  • Annual fee: None 
  • Welcome offer: 
    • Promo APR: 0% APR for the first 12 months on purchases and balance transfers
    • Welcome bonus: $200 cash back if you spend $500 on purchases in the first three months
  • APRs:
    • Purchase APR: 19.24% to 29.24%
    • Balance transfer APR: 19.24% to 29.24%
    • Cash advance APR: 29.99%
  • Other fees:
    • Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater (intro fee of 3% for the first 120 days)
    • Cash advance fee: $10 or 5% of the advance amount, whichever is greater
    • Foreign transaction fee: 3% of each transaction amount
    • Late payment fee: Up to $40

Rewards:

  •  2% cash back on all purchases

Notable benefits:

  • Cell phone coverage: Get up to $600 if your cell phone is damaged or stolen, after a $25 deductible. 
  • Auto rental protection: Get reimbursed for covered damage or theft involving a rental car. 
  • Roadside assistance: 24/7 tow coverage.
  • Credit monitoring: Gain access to FICO score tracking and personalized credit insights. 

Why Entreprenistas will love it: 

The Wells Fargo Active Cash Credit Card is for the Entreprenista who wants to earn a competitive rewards rate on all her miscellaneous purchases. While there aren’t any higher-tier rewards, you’ll generally earn a straightforward 2% cash back whenever you use the card. 

Plus, you’ll get a $200 welcome bonus if you spend $500 over the first three months, and a 12-month 0% APR promotion on both balance transfers and purchases—not bad. The card also has a few unique benefits, including cell phone insurance and 24/7 tow coverage. 

This could be a good fit if you get another card that offers higher rewards in a specific category but only offers 1% or 1.5% back on all other purchases. 

4. Blue Cash Everyday® Card from American Express

A no-annual-fee card good for earning cashback on everyday purchases, including groceries and gas. 

Key card specs: 

  • Annual fee: None
  • Welcome offer: 
    • Promo APR: 0% APR on purchases and balance transfers for the first 15 months
    • Welcome bonus: $250 statement credit if you spend $2,000 in purchases in the first six months
  • APRs:
    • Purchase APR: 19.99% to 28.99% 
    • Balance transfer APR: 19.99% to 28.99% 
    • Cash advance APR: 29.24%
  • Other fees:
    • Balance transfer fee: $5 or 3% of the transfer amount, whichever is greater
    • Cash advance fee: $10 or 5% of the transfer amount, whichever is greater
    • Foreign transaction fee: 2.7% of each transaction
    • Late payment fee: Up to $40

Rewards:

  •  3% cash back on up to $6,000 per year in groceries, then 1%
  •  3% cash back on up to $6,000 per year in online retail purchases, then 1%
  •  3% cash back on up to $6,000 per year in gas, then 1%
  • 1% cash back on all other purchases

Notable benefits:

  • Auto rental protection: Get reimbursed for covered damage or theft to a rental car.
  • Streaming credit: Get a statement credit for up to $7 per month to cover a subscription to Disney Plus, Hulu, or ESPN. 
  • Payment plans: Payment plans with fixed fees for purchases of $100 or more.

Why Entreprenistas will love it: 

The Blue Cash Everyday Card from American Express offers the highest welcome bonus of any no-annual-fee card on this list. You can get $250 if you spend $2,000 in the first six months. Beyond that, the card helps you earn higher-tier rewards on groceries, online retail purchases, and gas. 

You can earn up to $540 in cash back per year at the 3% rewards rate, $180 per category, before the rate drops to 1% for the remainder of the year. Plus, you’ll get other perks like a 15-month, 0% APR introductory promotion on purchases and balance transfers, a $7 per month streaming credit, and rental car insurance.

Compare Top No Annual Fee Personal Credit Cards

Credit Card

Credit CWelcome Bonusard

Promo 0% APR

Rewards

Chase Freedom Unlimited

$200; must spend $500 within 3 months

15 months;

purchases and balance transfers

5% on Chase Travel; 3% on dining and drugstores;

1.5% on other purchases

Citi Double Cash

$200; must spend $1,500 within 6 months

18 months; balance transfers

5% on Citi Travel; 

2% on other purchases

Wells Fargo Active Cash

$200; must spend $500 within 3 months

12 months; purchases and balance transfers

2% on all purchases

‍

Blue Cash Everyday from American Express

$250; must spend $2,000 within 6 months

15 months; purchases and balance transfers

3% on groceries, online retail purchases, and gas ($6k limit each); 

1% on other purchases

‍

Best Mid-Tier Personal Credit Cards for Entreprenistas

Next up are the top picks for mid-tier personal credit cards. Each of these cards comes with additional perks in exchange for an annual fee of $200 or less. 

5. Chase Sapphire Preferred® Card

A good middle-of-the-road option for Entreprenistas who travel often, eat out regularly, and order groceries online from a qualifying store (not Target, Walmart, or wholesale clubs). 

Key card specs: 

  • Annual fee: $95
  • Welcome offer: 
    • Promo APR: None
    • Welcome bonus: 75,000 bonus points if you spend $5,000 on purchases in the first three months
  • APRs:
    • Purchase APR: 19.99% to 28.24%
    • Balance transfer APR: 19.99% to 28.24%
    • Cash advance APR: 29.24%
  • Other fees:
    • Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater
    • Cash advance fee: $10 or 5% of the advance amount, whichever is greater
    • Foreign transaction fee: None
    • Late payment fee: Up to $40

Rewards:

  • 5x points on travel purchased through Chase Travel
  • 3x points on select streaming services, dining, and online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 1x points on all other purchases.
  • Each year, you earn bonus points equal to 10% of your total purchases made the previous year

Notable benefits:

  • Hotel credit: Get a $50 hotel credit each year.
  • Point transfer: You can transfer your points to leading frequent travel programs at a 1:1 value. 
  • Trip cancellation/interruption insurance: Get reimbursed for up to $10,000 per covered traveler and $20,000 per trip for non-refundable passenger fares if your trip is canceled or cut short for a covered reason. 
  • Baggage delay insurance: Get up to $100 per day for up to five days when baggage is delayed over six hours. 
  • Trip delay reimbursement: If your flight gets delayed more than 12 hours or requires an overnight stay, your incidental expenses are covered up to $500 per traveler. 
  • Auto rental protection: Provides primary auto insurance coverage on rental cars up to $60,000.
  • Payment plans: Break up credit card purchases into payments, with a fixed monthly fee rather than interest. 
  • Extended warranty: Extends U.S. manufacturer’s warranties by one year
  • Credit monitoring: Credit Journey helps you monitor and build your personal credit with Experian.

Why Entreprenistas will love it: 

An upgrade from the Chase Freedom Unlimited, the Chase Sapphire Preferred Card steps up the rewards and benefits in exchange for a $95 annual fee. You’ll still get 5x points on travel booked through Chase Travel and 3x points on dining. Additionally, you’ll get 3x points when ordering groceries online from qualifying stores (notably unlimited), 3x points on streaming service purchases, and 2x points on all travel purchases. 

The welcome bonus is also much larger at 75,000 points and you get an annual bonus equal to 10% of your purchases for the year. Plus, there are a few extra benefits, such as a $50 annual hotel credit, baggage delay insurance, and trip delay reimbursement. Toni Toomey, an Entreprenista member and Founder of Honeysuckle Nursing Company, says the Chase Sapphire is one of her favorite personal cards, “Points transfer to most airlines, so you can really maximize redemption,” she says. 

6. Capital One Venture Rewards Credit Card

A good fit for frequent travelers who are Capital One loyalists and want to rack up miles to cover future trips. 

Key card specs: 

  • Annual fee: $95
  • Welcome offer: 
    • Promo APR: None
    • Welcome bonus: 75,000 bonus miles when you spend $4,000 within three months
  • APRs:
    • Purchase APR: 19.99% to 29.24%
    • Balance transfer APR: 19.99% to 29.24%
    • Cash advance APR: 29.24%
  • Other fees:
    • Balance transfer fee: None for normal transfer APRs, 4% with a promotional APR
    • Cash advance fee: $5 or 5% of the transfer amount, whichever is greater
    • Foreign transaction fee: None
    • Late payment fee: Up to $40

Rewards:

  • 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
  • 2x miles on all other purchases

Notable benefits:

  • Credits: Get $50 off a Lifestyle Collection hotel booking and up to a $120 credit every four years for Global Entry or TSA PreCheck.
  • Hertz Five Star Status: Get free car rental upgrades, more car options, and the ability to skip the lines.
  • Travel accident insurance: Get automatic insurance for covered losses.
  • Auto rental protection: Coverage on rental cars against damage due to collision or theft. 

Why Entreprenistas will love it: 

The Capital One Venture Rewards Credit Card offers a competitive rewards rate (5x miles) for booking hotels, vacation rentals, and rental cars through Capital One Travel, plus 2x miles for all other purchases. You can redeem the miles for airline tickets, entertainment tickets, gift cards, or other online purchases. It also comes with additional travel perks like Hertz Five Star Status, a competitive welcome bonus, credits, travel accident insurance, and rental car insurance. 

7. Blue Cash Preferred® Card from American Express

Earn more rewards on everyday purchases, including unlimited 3% cash back on gas. 

Key card specs: 

  • Annual fee: $95, $0 for first year
  • Welcome offer: 
    • Promo APR: 0% APR on purchases and balance transfers for the first 12 months
    • Welcome bonus: $300 statement credit if you spend $3,000 on purchases in the first six months 
  • APRs:
    • Purchase APR: 19.99% to 28.99%
    • Balance transfer APR: 19.99% to 28.99%
    • Cash advance APR: 29.49%
  • Other fees:
    • Balance transfer fee: $5 or 3% of the transfer amount, whichever is greater
    • Cash advance fee: $10 or 5% of the advance amount, whichever is greater
    • Foreign transaction fee: 2.7% of the transaction amount
    • Late payment fee: Up to $40

Rewards:

  • 6% cash back on up to $6,000 in grocery purchases per year, then 1% back
  • 6% cash back on select streaming subscriptions
  • 3% cash back on transit and gas
  • 1% cash back on all other purchases

Notable benefits:

  • Auto rental protection: Get reimbursed for covered damage or theft involving a rental car.
  • Streaming credit: Get a statement credit for up to $10 per month to cover a subscription to Disney Plus, Hulu, or ESPN.
  • Payment plans: Access payment plans with fixed fees for purchases of $100 or more.

Why Entreprenistas will love it: 

An upgrade from the Blue Cash Everyday Card, the Blue Cash Preferred Card from American Express also shines for covering everyday purchases. However, this time, purchases of groceries, streaming subscriptions, gas, and transit fees are rewarded at higher rates. 

While the 6% reward rate on groceries is capped at $6,000 per year, the other reward tiers are unlimited—notably the 3% cash back on gas. The card also comes with a welcome bonus of $300 (if you spend $3,000 in the first six months), no annual fee for the first year, and a 12-month 0% APR introductory offer on both purchases and balance transfers.

Compare Top Mid-Tier Personal Credit Cards

Credit Card

Annual Fee

Welcome Bonus

Promo 0% APR

Rewards

Chase Sapphire Preferred

$95

75,000 points; must spend $5,000 within 3 months

None

5x on Chase Travel; 

3x on dining, online groceries, and streaming; 2x on travel; 

1x on other purchases

Capital One Venture Rewards

$95

75,000 points; must spend $4,000 within 3 months

None

5x on Capital One Travel; 

2x on other purchases

‍

Blue Cash Preferred from American Express

$95; $0 first year

$300; must spend $3,000 within 6 months

12 months; purchases and balance transfers

6% on groceries ($6k limit) and streaming; 

3% on transit and gas;

1% on other purchases

Best Premium-Tier Personal Credit Cards for Entreprenistas

Now, for the crème de la crème of credit cards. Here is a selection of top premium-tier credit cards. While these cards come with higher annual fees, they also pack in the benefits.

8. American Express® Gold Card

Calling Entreprenistas looking to save on food costs! Earn competitive rewards when eating out worldwide and shopping at U.S. grocery stores. 

Key card specs: 

  • Annual fee: $325
  • Welcome offer: 
    • Promo APR: None
    • Welcome bonus: Up to 100,000 membership rewards points if you spend $6,000 on purchases in the first six months (welcome offers vary)
  • APRs:
    • Purchase APR: 19.99% to 28.99%
    • Balance transfer APR: Not Applicable
    • Cash advance APR: 29.29%
  • Other fees:
    • Balance transfer fee: Not Applicable
    • Cash advance fee: $10 or 5% of the advance amount, whichever is greater
    • Foreign transaction fee: None
    • Late payment fee: Up to $40

Rewards:

  • 4x points on up to $50,000 in purchases at restaurants worldwide per year
  • 4x points on up to $25,000 in purchases from U.S. supermarkets per year
  • 3x points on flights booked directly with airlines or through AmexTravel.com
  • 2x points on prepaid hotels and other purchases booked through AmexTravel.com
  • 1x points on all other eligible purchases

Notable benefits:

  • Baggage insurance: If your baggage is lost, stolen, or damaged, get up to $1,250 for carry-on baggage and $500 for checked baggage.
  • Auto rental protection: Get reimbursed for covered damage or theft when renting a car.
  • Credits: Get over $500 in annual value from Resy Credit, Uber Cash, Dunkin’ Credit, and other companies. 
  • Payment plans: Payment plans with fixed fees for purchases of $100 or more are available. 

Why Entreprenistas will love it: 

The American Express Gold Credit Card is designed to be your companion when eating out worldwide and grocery shopping in the U.S. Oh, and booking travel, too. You’ll earn 4x points on up to $50,000 in purchases from restaurants worldwide and up $25,000 in purchases from U.S. supermarkets—notably high limits for food-related rewards. This card is ideal for Entreprenistas who love dining out in style or taking charge of their household grocery shopping

The card also offers over $500 in annual statement credits, a competitive welcome bonus of up to 100,000 points (if you spend $6,000 in the first six months), and baggage and rental car insurance. This can be a good fit for those who will far surpass the above-mentioned $6,000 caps on grocery shopping and who eat out often. 

9. Capital One Venture X Rewards Credit Card

Get robust travel rewards and benefits, including airport lounge access, all for a competitive annual fee. 

Key card specs: 

  • Annual fee: $395
  • Welcome offer: 
    • Promo APR: None
    • Welcome bonus: 75,000 miles if you spend $4,000 on purchases within the first three months
  • APRs:
    • Purchase APR: 19.99% to 29.24%
    • Balance transfer APR: 19.99% to 29.24%
    • Cash advance APR: 29.24%
  • Other fees:
    • Balance transfer fee: None for normal transfer APRs, 4% with a promotional APR
    • Cash advance fee: $5 or 5% of the amount of the advance, whichever is greater
    • Foreign transaction fee: None
    • Late payment fee: Up to $40

Rewards:

  • 10x miles on hotels and rental cars booked through Capital One Travel
  • 5x miles on flights and vacation rentals booked through Capital One Travel
  • 2x miles on all other purchases
  • Earn 10,000 bonus miles on your anniversary each year.

Notable benefits:

  • Airport lounges: Gain access to Capital One Lounge and Landing locations, and 1,300+ Priority Pass Lounges. 
  • Credits: Get a $300 annual travel credit for bookings through Capital One Travel, a $100 experience credit and other premium benefits every time you book accommodations from the Premier Collection, and a $120 credit for Global Entry or TSA PreCheck every four years. 
  • Hertz President’s Circle Status: Get free car rental upgrades, more car options, and the ability to skip the lines 
  • Auto rental protection: Coverage on rental cars against damage due to collision or theft is available. 
  • Cell phone protection: Get reimbursed up to $800 if your cell phone is stolen or damaged. 

Why Entreprenistas will love it: 

While the Capital One Venture X Rewards Credit Card offers travel rewards and benefits that compete with the more expensive cards below, it has a much lower annual fee. You’ll gain access to over 1,000+ airport lounges, premium status with Hertz, and a lineup of statement credits. 

Plus, if you book through Capital One Travel, you can earn 10x miles on hotels and rental cars (the highest rewards rate on this list), and 5x miles on flights and vacation rentals. There’s also the anniversary bonus, which gives you 10,000 bonus miles each year just for keeping the card. However, this card does fall behind the more expensive cards when it comes to the welcome bonus and trip/travel protections. 

10. Chase Sapphire Reserve® Credit Card

A premium card that grants comprehensive travel benefits and unlimited high-tier rewards for travel and worldwide dining purchases. 

Key card specs: 

  • Annual fee: $795
  • Welcome offer: 
    • Promo APR: None
    • Welcome bonus: Earn 125,000 points when you spend $6,000 on purchases during the first three months
  • APRs:
    • Purchase APR: 20.24% to 28.74%
    • Balance transfer APR: 20.24% to 28.74%
    • Cash advance APR: 29.24%
  • Other fees:
    • Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater
    • Cash advance fee: $10 or 5% of the advance amount, whichever is greater
    • Foreign transaction fee: None
    • Late payment fee: Up to $40

‍Rewards:

  • 8x points on all purchases through Chase Travel
  • 4x points on flights and hotels booked directly
  • 3x points on dining worldwide
  • 1x points on all other purchases

Notable benefits:

  • Airport lounges: Gain access to 1,300 airport lounges worldwide, Chase Sapphire Lounges by The Club, and more. 
  • Credits: Get over $1,500 in credits for travel and various subscriptions/memberships. 
  • Trip cancellation/interruption insurance: Get up to $10,000 in coverage per covered traveler and $20,000 per trip for non-refundable passenger fares if your trip is canceled or cut short for a covered reason. 
  • Baggage insurance: Get up to $100 per day for up to five days when baggage is delayed over six hours, and up to $3,000 per covered traveler for lost or damaged luggage. 
  • Trip delay reimbursement: If your flight gets delayed more than six hours or requires an overnight stay, your incidental expenses are covered up to $500 per covered traveler. 
  • Auto rental protection: Provides primary auto insurance coverage on rental cars, up to $75,000.
  • Travel accident insurance: Comes with $1,000,000 in accidental death or dismemberment coverage. 
  • Emergency evacuation coverage: Covers up to $100,000 in emergency evacuation costs when you need to be evacuated and are more than 100 miles from home.
  • Emergency medical and dental: Covers up to $2,500 in costs, after a $50 deductible, if you need emergency attention more than 100 miles from home. 

Why Entreprenistas will love it: 

The Chase Sapphire Reserve Credit Card has a high annual fee, $795 per year. However, it also offers competitive rewards, bonuses, and benefits. You can earn up to 8x points on travel you book through Chase Travel, so you could cover the annual fee if you book around at least $10,000 in travel through Chase Travel per year. This card is perfect for the Entreprenista jet-setter who’s often abroad and needs a card that works almost everywhere.

You’ll also earn 4x points on travel booked directly and 3x points on dining worldwide with this card. Other perks include access to 1,000+ airport lounges, a 125,000-point welcome bonus if you spend $6,000 in the first three months, and comprehensive travel benefits that can grant serious peace of mind (e.g., emergency evacuation coverage, emergency medical and dental, etc.). 

11. The Platinum Card® from American Express

Lastly, a card with over $2,000 in annual statement credit offerings, comprehensive travel benefits, and the highest potential welcome bonus on this list. 

Key card specs: 

  • Annual fee: $895
  • Welcome offer: 
    • Promo APR: Not applicable
    • Welcome bonus: Up to 175,000 points if you spend $8,000 on purchases within the first six months
  • APRs:
    • Purchase APR: 19.99% to 28.99%
    • Balance transfer APR: Not applicable
    • Cash advance APR: 29.24%
  • Other fees:
    • Balance transfer fee: Not applicable
    • Cash advance fee: $10 or 5% of the advance amount, whichever is greater
    • Foreign transaction fee: None
    • Late payment fee: Up to $40

Rewards:

  • 5x points on up to $500,000 in purchases of flights booked directly with airlines or through American Express Travel per year
  • 5x points on prepaid hotel bookings on AmexTravel.com
  • 1x points on all other purchases

Notable benefits:

  • Credits: Get over $2,000 in annual credits for flights, hotels, Trusted Traveler Programs, Uber Cash, shopping, and entertainment.
  • Airport lounge access: Access Centurion and partner airport lounges.  
  • Rental car and hotel privileges: Enjoy premium status for select car rental and hotel programs.
  • Auto rental protection: Get reimbursed for covered damage or theft involving a rental car.
  • Trip delay insurance: If your flight gets delayed more than six hours or requires an overnight stay, your incidental expenses are covered up to $500 per covered traveler, up to two claims per year.
    Trip cancellation/interruption insurance: Up to $10,000 in coverage per covered traveler and $20,000 per trip for non-refundable passenger fares if your trip is canceled or cut short for a covered reason.

Why Entreprenistas will love it: 

The Platinum Card from American Express will cost you $895 per year, but the annual fee can be quickly offset by the card’s benefits. You’ll find over $2,000 in available statement credits on everything from hotel bookings, airline fees, and Uber rides, to purchases at Resy restaurants, Lululemon, and Saks Fifth Avenue. 

Additionally, you’ll be granted airport lounge access, premium status with select car rental and hotel programs, and trip insurance (for delays, interruptions, or cancellations). Beyond all the built-in benefits, you’ll earn 5x points on flights and prepaid hotels, and could earn the largest welcome bonus of any card on this list (up to 175,000 points after spending $8,000 in the first six months). 

This is my personal card of choice. As someone who’s always traveling and on the move, the lounge access has been incredible. Airports feel a lot less stressful when you have a quiet spot to work or relax. Every year, I check to make sure I’m getting my money’s worth, and without fail, it always delivers. This year I used the concierge feature a lot and had the concierge book all of my restaurant reservations to my trip to Venice and Paris. This feature alone is worth it for the card.

Compare Top Premium-Tier Personal Credit Cards

Credit Card

Annual Fee

Welcome Bonus

Benefits Annual Value

Rewards

American Express Gold

$325

Up to 100,000 points; must spend $6,000 within 6 months

$500+

4x on restaurants ($50k limit); 

4x on groceries ($25k limit), online groceries and streaming; 

3x on flights; 

2x on prepaid hotels; 

1x on other purchases

Capital One Venture X Rewards

$395

75,000 points; must spend $4,000 within 3 months

$1,000+

10x on hotels/rental cars with Capital One Travel; 

5x on flights/vacation rental with Capital One Travel;

2x on other purchases

Chase Sapphire Reserve

$795

$325125,000 points; must spend $6,000 within 3 months

$2,700+

$8x on Chase Travel; 

4x on flights and hotels booked direct, 

3x on dining worldwide; 

1x on other purchases

325

Chase Sapphire Reserve

$895

Up to 175,000 points; must spend $8,000 within 6 months

$3,500+

5x on flights ($500k limit); 5x on prepaid hotels with Amex Travel;

1x on other purchases

‍

Entreprenistas: Which Personal Credit Card Is Right For You? 

With so many options, it can be hard to decide on the best personal credit card for your situation. A good place to start is to look at your budget and lifestyle. What do you spend the majority of your money on? From there, look for a card that offers the best rewards for your top spending categories. You may find that stacking multiple cards can help you earn more overall. For example, one card may offer higher returns for gas while another offers more for groceries. 

Additionally, consider the different tiers of cards available. Many people start with cards that have no annual fee, but it can make sense to invest in mid- or premium-tier cards that offer valuable benefits you’ll actually use, such as airport lounge access and travel insurance. The key is to weigh all the benefits against the costs to see if it’ll make sense overall for your spending habits and lifestyle. 

No matter which personal credit card you choose, you can get the most from it by paying off the balance in full each month. That way, you’ll avoid costly interest charges that can eat into your rewards. However, if you do need to finance a purchase, look for a card with a 0% introductory APR promotion that will give you time to pay off the balance without interest. 

We can’t wait for you to find the credit card that’s just right for you! I’d love to hear which one you pick, so send me a note at courtney@entreprenista.com and let me know! 

‍

*Terms apply. Offers/fees/benefits can change; verify with the issuer before applying. Rates and terms valid as of 9/19/2025.