MelaninKing's Credit Cards
15 Cards
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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 or 0%
(Whichever Is Greater)
Cash Advance
$10 or 5%
(Whichever Is Greater)
Late Payment
$41
Return Payment
$30
Rates
Purchase APR
18.74% - 28.74%
Transfer APR
18.74% - 28.74%
Cash Advance APR
28.74%
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Welcome Offer
Earn 20,000 Miles
Worth $290
Once you spend $500 on purchases within 3 months from account opening Worth $290 in value based on Melanin's valuation of 1.45¢ per point.
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Rewards percentage based on MaxRewards' valuation of 1.45¢ per Capital One point
Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
5X Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
Every Purchase
1.25X Miles per dollar on every purchase, every day.
Benefits
The Capital One VentureOne 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
18.74% - 28.74%
Transfer APR
0% intro on balance transfers
Cash Advance APR
28.74%
American Express Platinum Card®
American Express Platinum Card®
Welcome Offer
You may be eligible for as high as 175,000 Membership Rewards® Points
Worth $2,625
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 $2,625 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$895
Minimum Credit Requirement
Good
Benefits
The American Express Platinum Card® includes over $3,304 in annual credits.
Rewards
Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
Membership Rewards® points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Membership Rewards® points on other eligible purchases.
Fees
Foreign Transaction
None
Balance Transfer
N/A
Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment
Up to $40
Rates
Purchase APR
See Pay Over Time APR
Cash Advance APR
28.99%
American Express® Gold Card
American Express® Gold Card
Welcome Offer
You may be eligible for as high as 100,000 Membership Rewards® Points
Worth $1,500
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 $1,500 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$325
Minimum Credit Requirement
Good
Benefits
The American Express® Gold Card includes over $424 in annual credits.
Rewards
Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
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.
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.
Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Membership Rewards® point per dollar spent on all other eligible purchases.
Fees
Foreign Transaction
None
Balance Transfer
N/A
Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment
Up to $40
Rates
Purchase APR
See Pay Over Time APR
Cash Advance APR
28.99%
American Express Platinum Card®
American Express Platinum Card®
Welcome Offer
You may be eligible for as high as 175,000 Membership Rewards® Points
Worth $2,625
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 $2,625 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$895
Minimum Credit Requirement
Good
Benefits
The American Express Platinum Card® includes over $3,304 in annual credits.
Rewards
Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
Membership Rewards® points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Membership Rewards® points on other eligible purchases.
Fees
Foreign Transaction
None
Balance Transfer
N/A
Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment
Up to $40
Rates
Purchase APR
See Pay Over Time APR
Cash Advance APR
28.99%
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Welcome Offer
Earn 75,000 bonus points
Worth $750
After you spend $5,000 on purchases in the first 3 months from account opening. Worth $750 in value based on Melanin's valuation of 1¢ per point.
Annual Fee
$95
Minimum Credit Requirement
Good
Benefits
The Chase Sapphire Preferred® Card includes over $406 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Ultimate Rewards point
Travel (Chase Travel)
5x on travel purchased through Chase Travel℠
Dining
3x on dining
Gas & EV Charging
3x on gas & EV charging
Online Groceries
3x online groceries (excluding Walmart, Target, and wholesale clubs)
Streaming Services
3x on top streaming services
Vacation Homes
3x on vacation homes at top brands
Other Travel Purchases
2x on all other travel purchases
All Other Purchases
1x 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
N/A
Rates
Purchase APR
19.49% - 27.74%
Transfer APR
19.49% - 27.74%
Cash Advance APR
28.74%
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Welcome Offer
As High As 50,000 Membership Rewards points
Worth $750
After you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer. Worth $750 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
No annual fee
Minimum Credit Requirement
Good
Rewards
Membership Rewards® points on everyday business purchases such as office supplies or client dinners
applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Membership Rewards® points on other purchases
Fees
Foreign Transaction
2.7% of each transaction after conversion to US dollars.
Balance Transfer
N/A
Cash Advance
N/A
Late Payment
Up to $39
Rates
Purchase APR
16.99% - 28.74%
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
Welcome Offer
Earn 130,000 Bonus Points plus a Free Night Reward
Worth $520
After you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027. Worth $520 in value based on Melanin's valuation of 0.4¢ per point.
Annual Fee
$150
Minimum Credit Requirement
Good
Benefits
The Hilton Honors American Express Surpass® Card includes over $200 in annual credits.
Rewards
Hilton Honors™ Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Hilton Honors™ Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Hilton Honors™ Bonus Points for each dollar of U.S. Online Retail purchases.
Hilton Honors™ Bonus Points for all other eligible purchases on your Card.
Fees
Foreign Transaction
None
Balance Transfer
N/A
Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment
Up to $40
Rates
Purchase APR
19.74% - 28.74%
Cash Advance APR
28.99%
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Welcome 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 for other select options. Terms Apply.
Annual Fee
$0 intro annual fee for the first year, then $95.
Minimum Credit Requirement
Good
Rewards
U.S. Streaming Subscriptions, U.S. Gas Stations, Transit
6% cash back on select U.S. streaming subscriptions, 3% cash back on gas purchases at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases
U.S. Supermarkets
6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)
Other Eligible Purchases
1% cash back on other eligible purchases. Cash Back is received as Reward Dollars that can be redeemed for a statement credit or for other select options
Benefits
The Blue Cash Preferred® Card from American Express includes over $120 in annual credits.
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
19.74% - 28.74%
Transfer APR
0% on balance transfers
Cash Advance APR
28.99%
American Express® Business Gold Card
American Express® Business Gold Card
Welcome Offer
You may be eligible for as high as 200,000 Membership Rewards® Points
Worth $3,000
After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Worth $3,000 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$375
Minimum Credit Requirement
Good
Benefits
The American Express® Business Gold Card includes over $1,095 in annual credits.
Rewards
Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
Membership Rewards® points on other purchases
Fees
Foreign Transaction
None
Balance Transfer
N/A
Cash Advance
N/A
Late Payment
$39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Rates
Purchase APR
17.99% - 28.74%
American Express® Gold Card
American Express® Gold Card
Welcome Offer
You may be eligible for as high as 100,000 Membership Rewards® Points
Worth $1,500
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 $1,500 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$325
Minimum Credit Requirement
Good
Benefits
The American Express® Gold Card includes over $424 in annual credits.
Rewards
Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
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.
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.
Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Membership Rewards® point per dollar spent on all other eligible purchases.
Fees
Foreign Transaction
None
Balance Transfer
N/A
Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment
Up to $40
Rates
Purchase APR
See Pay Over Time APR
Cash Advance APR
28.99%
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Welcome Offer
You may be eligible for as high as $200 cash back
After spending $2,000 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 for other select options. Terms Apply.
Annual Fee
$0
Minimum Credit Requirement
Good
Benefits
The Blue Cash Everyday® Card from American Express includes over $264 in annual credits.
Rewards
Gas Stations (U.S.)
3% Cash Back on Gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%). Cash back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.
Groceries at U.S. Supermarkets
3% Cash Back on Groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
U.S. Online Retail
3% Cash Back on U.S. Online Retail purchases, on up to $6,000 per year in purchases (then 1%)
Everywhere
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
19.74% - 28.74%
Transfer APR
0% on balance transfers
Cash Advance APR
28.99%
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 Melanin's 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
N/A
Rates
Purchase APR
18.49% - 27.99%
Transfer APR
0% Intro APR on Balance Transfers
Cash Advance APR
28.74%
Chase Freedom Flex®
Chase Freedom Flex®
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 Melanin's 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
Bonus Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
Travel (Chase Travel)
5% cash back on travel purchased through Chase Travel℠
Dining, Drugstores
3% on dining and drugstores
All Other Purchases
1% on all other purchases.
Benefits
The Chase Freedom Flex® includes over $40 in annual credits.
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
N/A
Rates
Purchase APR
18.49% - 27.99%
Transfer APR
0% Intro APR on Balance Transfers
Cash Advance APR
28.74%
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%
The Average Card Holder Misses $1,200+ In Credit Card Value Every Year
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