James Henderson's Credit Cards
5 Cards
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Chase Sapphire Reserve®
Chase Sapphire Reserve®
Welcome Offer
Earn 100,000 bonus points
Worth $1,000
After you spend $6,000 on purchases in the first 3 months from account opening. Worth $1,000 in value based on James' valuation of 1¢ per point.
Annual Fee
$795
Minimum Credit Requirement
Excellent
Benefits
The Chase Sapphire Reserve® includes over $22,458 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Ultimate Rewards point
Purchases (Chase Travel), The Edit (Chase Travel)
8x points on all purchases through Chase Travel℠, including The Edit℠
Flights (Booked Direct), Hotels (Booked Direct)
4x points on flights and hotels booked direct.
Dining (Worldwide)
3x points on dining worldwide
All Other Purchases
1x points on all other purchases
Fees
Foreign Transaction
$0
Balance Transfer
Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance
Either $10 or 5% of the amount of each transaction, whichever is greater.
Late Payment
None
Rates
Purchase APR
19.49% - 27.99%
Transfer APR
19.49% - 27.99%
Cash Advance APR
28.49%
American Express® Gold Card
American Express® Gold Card
Welcome Offer
You may be eligible for as high as 100,000 Membership Rewards® Points
Worth $1,000
After spending $8,000 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 $1,000 in value based on James' valuation of 1¢ per point.
Annual Fee
$325
Minimum Credit Requirement
Good
Benefits
The American Express® Gold Card includes over $674 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Membership Rewards point
Hotels (prepaid, Amex Travel)
5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
Restaurants (Worldwide)
4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
U.S. Supermarkets
4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Flights (Amex Travel), Airlines
3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
Car Rentals (prepaid, Amex Travel), Cruises (Amex Travel)
2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
All Other Eligible Purchases
1X Membership Rewards® point per dollar spent on all 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%
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Welcome Offer
Earn a $200 Bonus
Worth $200
After you spend $500 on purchases in your first 3 months from account opening Worth $200 in value based on James' valuation of 1¢ per point.
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Ultimate Rewards point
Travel (Chase Travel)
5% Cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
Drugstore Purchases, Dining at Restaurants (Including Takeout and Eligible Delivery Service)
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
All Other Purchases
1.5% On all other purchases
Benefits
The Chase Freedom Unlimited® includes over $40 in annual credits.
Fees
Foreign Transaction
3% of each transaction in U.S. dollars
Balance Transfer
Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance
Either $10 or 5% of the amount of each transaction, whichever is greater.
Late Payment
None
Rates
Purchase APR
18.24% - 27.74%
Transfer APR
0% Intro APR on Balance Transfers
Cash Advance APR
28.49%
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold Business American Express Card
Welcome Offer
Limited Time Offer: Earn 90,000 Bonus Miles
Worth $1,080
After spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 7/15/26. Worth $1,080 in value based on James' valuation of 1.2¢ per point.
Annual Fee
$0 introductory annual fee for the first year, then $150
Minimum Credit Requirement
Good
Benefits
The Delta SkyMiles® Gold Business American Express Card includes over $720 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.2¢ per Delta point
Purchases (Delta), Restaurants
2X Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
U.S. Shipping Providers, U.S. Providers for Advertising in Select Media
2X Miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Other Purchases
1X Mile on every eligible dollar spent on other purchases.
Fees
Foreign Transaction
None
Balance Transfer
None
Cash Advance
Either $5 or 3% of the amount of each cash advance, whichever is greater.
Late Payment
Up to $39
Rates
Purchase APR
19.49% - 28.49%
Cash Advance APR
28.74%
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 James' 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%
The Average Card Holder Misses $1,200+ In Credit Card Value Every Year
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