Mike Mu's Credit Cards
13 Cards
Check out my favorite cards! Apply with my referral link, and we'll both get rewarded.
Apple Card
Apple Card
Annual Fee
$0
Minimum Credit Requirement
Rebuilding
Rewards
Apple
Exxon
Mobil
Nike
Panera
Uber
Uber Eats
Walgreens
Apple Pay
Everywhere
Fees
Foreign Transaction
None
Late Payment
None
Rates
Purchase APR
10.99% - 21.99%
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Welcome Offer
As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back
After spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Annual Fee
$0 intro annual fee for the first year, then $95.
Minimum Credit Requirement
Good
Benefits
The Blue Cash Preferred® Card from American Express includes over $370 in annual credits.
Rewards
U.S. Streaming Subscriptions
6% Cash Back on select U.S. streaming subscriptions
U.S. Supermarkets
6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)
Gas Stations (U.S.), Transit
3% Cash Back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases
Other Purchases
1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Fees
Foreign Transaction
2.7% of each transaction after conversion to US dollars.
Balance Transfer
Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment
Up to $40
Rates
Purchase APR
19.49% - 28.49%
Transfer APR
0% on balance transfers
Cash Advance APR
28.74%
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Welcome Offer
Earn $200 Cash Back
After you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel.
Every Purchase
1.5% Cash Back on every purchase, every day.
Benefits
The Capital One Quicksilver Cash Rewards Credit Card includes over $72 in annual credits.
Fees
Foreign Transaction
None
Balance Transfer
Balance transfer fee applies
Cash Advance
5% of the amount of the cash advance, but not less than $5
Late Payment
Up to $40
Rates
Purchase APR
18.49% - 28.49%
Transfer APR
0% intro on balance transfers
Cash Advance APR
28.49%
Costco Anywhere Visa®
Costco Anywhere Visa®
Annual Fee
$0
Minimum Credit Requirement
Excellent
Rewards
Costco Gas
Limited to $7,000 in spend
Gas
Limited to $7,000 in spend
Airline
Car Rental
Cruise
Dining
Hotel
Costco
Everywhere
Fees
Foreign Transaction
None
Balance Transfer
$5 or 5%
(Whichever Is Greater)
Cash Advance
$10 or 5%
(Whichever Is Greater)
Late Payment
$41
Return Payment
$41
Rates
Purchase APR
18.74% - 26.74%
Transfer APR
18.74% - 26.74%
Cash Advance APR
28.74%
Citi Custom Cash®
Citi Custom Cash®
Welcome Offer
20,000 Points
Worth $200
after you spend $1,500 on purchases on your new card in your first 6 months of card membership. Worth $200 in value based on Mike's valuation of 1¢ per point.
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per ThankYou® point
Choice
5x Points, limited to $500 in spend. With "Choice," you select which category earns this bonus rate.
Everywhere
1x Points
Rates
Purchase APR
17.49% - 27.49%
Transfer APR
17.49% - 27.49%
Cash Advance APR
29.74%
Discover it® Cash Back
Discover it® Cash Back
Welcome Offer
100% match on all cash back earned in the first year
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to the match.
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Everywhere
Fees
Balance Transfer
5%
Cash Advance
$10 or 5%
(Whichever Is Greater)
Late Payment
$41
Return Payment
$30
Rates
Purchase APR
17.49% - 26.49%
Transfer APR
17.49% - 26.49%
Cash Advance APR
28.49%
Prime Visa
Prime Visa
Welcome Offer
Get a $150 Amazon Gift Card
Worth $150
Instantly upon approval exclusively for Prime members Worth $150 in value based on Mike's valuation of 1¢ per point.
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Amazon point
Amazon.com, Amazon Fresh, Whole Foods Market, Chase Travel (Eligible Prime Members)
5X back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership.
Gas Stations, Restaurants, Local Transit And Commuting (Including Rideshare)
2X back at gas stations, restaurants, and on local transit and commuting (including rideshare).
All Other Purchases
1X back on all other purchases.
Fees
Foreign Transaction
$0
Balance Transfer
Either $5 or 4% of the amount of each transfer, whichever is greater.
Cash Advance
Either $5 or 4% of the amount of each transaction, whichever is greater.
Late Payment
None
Rates
Purchase APR
18.74% - 27.49%
Transfer APR
18.74% - 27.49%
Cash Advance APR
28.49%
Bank of America® Customized Cash Rewards for Students
Bank of America® Customized Cash Rewards for Students
Welcome Offer
$200
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$0
Minimum Credit Requirement
Rebuilding
Rewards
Everywhere
Rates
Purchase APR
17.49% - 27.49%
Transfer APR
17.49% - 27.49%
Cash Advance APR
29.24%
American Express Platinum Card®
American Express Platinum Card®
Welcome Offer
You may be eligible for as high as 175,000 Membership Rewards® Points
Worth $1,750
After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Worth $1,750 in value based on Mike's valuation of 1¢ per point.
Annual Fee
$895
Minimum Credit Requirement
Good
Benefits
The American Express Platinum Card® includes over $3,554 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Membership Rewards point
Flights (American Express Travel), Prepaid Hotels (American Express Travel)
5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
Flights (Directly From Airlines), Flights (American Express Travel)
5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Other Eligible Purchases
1X points on other eligible purchases.
Fees
Foreign Transaction
None
Balance Transfer
None
Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment
Up to $40
Rates
Purchase APR
19.49% - 28.49%
Cash Advance APR
28.74%
REI Co-op® Mastercard®
REI Co-op® Mastercard®
Annual Fee
$0
Minimum Credit Requirement
Excellent
Rewards
REI
Everywhere
Fees
Balance Transfer
None
Cash Advance
$5 or 5%
(Whichever Is Greater)
Late Payment
$40
Rates
Purchase APR
17.49% - 28.49%
Transfer APR
17.49% - 28.49%
Cash Advance APR
28.49%
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Welcome Offer
Earn $200 Cash Back
After you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel.
Every Purchase
1.5% Cash Back on every purchase, every day.
Benefits
The Capital One Quicksilver Cash Rewards Credit Card includes over $72 in annual credits.
Fees
Foreign Transaction
None
Balance Transfer
Balance transfer fee applies
Cash Advance
5% of the amount of the cash advance, but not less than $5
Late Payment
Up to $40
Rates
Purchase APR
18.49% - 28.49%
Transfer APR
0% intro on balance transfers
Cash Advance APR
28.49%
BankAmericard®
BankAmericard®
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Rewards percentage based on MaxRewards' valuation of 0¢ per None point
Rates
Purchase APR
14.99% - 25.99%
Transfer APR
14.99% - 25.99%
Cash Advance APR
29.24%
Citi Double Cash®
Citi Double Cash®
Welcome Offer
20,000 Points
Worth $200
after you spend $1,500 on purchases on your new card in your first 6 months of card membership. Worth $200 in value based on Mike's valuation of 1¢ per point.
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per ThankYou® point
Everywhere
2x Points
Fees
Foreign Transaction
3%
Balance Transfer
$5 or 3%
(Whichever Is Greater)
Cash Advance
$10 or 5%
(Whichever Is Greater)
Late Payment
$41
Return Payment
$41
Rates
Purchase APR
17.49% - 27.49%
Transfer APR
17.49% - 27.49%
Cash Advance APR
29.74%
The Average Card Holder Misses $1,200+ In Credit Card Value Every Year
MaxRewards automatically tracks, activates, and maximizes every bonus, offer, and benefit across all your cards—so you never leave money on the table again.
Add my referral code 186be128-1 so we both benefit!