MelaninKing's Credit Cards
15 Cards
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Discover it® Cash Back
Discover it® Cash Back
Annual Fee
$0
Minimum Credit Requirement
Good
Rewards
Everywhere
Fees
Foreign Transaction
None
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%
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Welcome Offer
Earn 20,000 Miles
Worth $200
Once you spend $500 on purchases within 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 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
18.49% - 28.49%
Transfer APR
0% intro on balance transfers
Cash Advance APR
28.49%
American Express Platinum Card®
American Express Platinum Card®
Welcome Offer
As High As 175,000 points. Find Out Your Offer.
Worth $1,750
You may be eligible for as high as 175,000 Membership Rewards® Points 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 Melanin's valuation of 1¢ per point.
Annual Fee
$895
Minimum Credit Requirement
Good
Benefits
The American Express Platinum Card® includes over $3,344 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%
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 Melanin's 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%
American Express Platinum Card®
American Express Platinum Card®
Welcome Offer
As High As 175,000 points. Find Out Your Offer.
Worth $1,750
You may be eligible for as high as 175,000 Membership Rewards® Points 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 Melanin's valuation of 1¢ per point.
Annual Fee
$895
Minimum Credit Requirement
Good
Benefits
The American Express Platinum Card® includes over $3,344 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%
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
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Ultimate Rewards point
Travel (Chase Travel)
5x On travel purchased through Chase Travel℠
Dining, Select Streaming Services, Online Groceries
3x On dining, select streaming services and online groceries
All Other Travel Purchases
2x On all other travel purchases
All Other Purchases
1x On all other purchases
Benefits
The Chase Sapphire Preferred® Card includes over $170 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
None
Rates
Purchase APR
19.24% - 27.49%
Transfer APR
19.24% - 27.49%
Cash Advance APR
28.49%
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Welcome Offer
Earn 15,000 Membership Rewards® points
Worth $150
After you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Worth $150 in value based on Melanin's valuation of 1¢ per point.
Annual Fee
No annual fee
Minimum Credit Requirement
Good
Benefits
The Blue Business® Plus Credit Card from American Express includes over $250 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Membership Rewards point
Office Supplies, Client Dinners
2X points on everyday business purchases such as office supplies or client dinners
Purchases Up To $50,000
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Everywhere
1x Points
Fees
Foreign Transaction
2.7% of each transaction after conversion to US dollars.
Balance Transfer
None
Cash Advance
None
Late Payment
Up to $39
Rates
Purchase APR
16.74% - 28.49%
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
Welcome Offer
Enjoy a $0 intro annual fee for the first year, then $150 and earn 130,000 Bonus Points
Worth $520
After you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26. Worth $520 in value based on Melanin's valuation of 0.4¢ per point.
Annual Fee
$0 introductory annual fee, then $150.
Minimum Credit Requirement
Good
Benefits
The Hilton Honors American Express Surpass® Card includes over $450 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 0.4¢ per Hilton Honors point
Hotels & Resorts (Hilton)
12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
U.S. Restaurants, U.S. Supermarkets, U.S. Gas Stations
6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
U.S. Online Retail Purchases
4X Points for each dollar on U.S. Online Retail Purchases.
All Other Eligible Purchases
3X Points for all other eligible purchases on your Card.
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%
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%
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 $2,000
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 $2,000 in value based on Melanin's valuation of 1¢ per point.
Annual Fee
$375
Minimum Credit Requirement
Good
Benefits
The American Express® Business Gold Card includes over $1,095 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1¢ per Membership Rewards point
Top Two Eligible Categories
4X 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.
Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
Everywhere
1x Points
Fees
Foreign Transaction
None
Balance Transfer
None
Cash Advance
None
Late Payment
$39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Rates
Purchase APR
17.74% - 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 Melanin's 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%
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Welcome Offer
As High As $200 Cash Back. Find Out Your 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 at Amazon.com checkout. Terms Apply.
Annual Fee
$0
Minimum Credit Requirement
Good
Benefits
The Blue Cash Everyday® Card from American Express includes over $514 in annual credits.
Rewards
Supermarkets (U.S.)
3% Cash Back at U.S. supermarkets
U.S. Gas Stations
3% Cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
U.S. Online Retail Purchases
3% Cash Back on U.S. online retail purchases
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
19.49% - 28.49%
Transfer APR
0% on balance transfers
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 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
None
Rates
Purchase APR
18.24% - 27.74%
Transfer APR
0% Intro APR on Balance Transfers
Cash Advance APR
28.49%
Chase Freedom Flex®
Chase Freedom Flex®
Welcome Offer
20,000 Points
Worth $200
after you spend $500 on purchases on your new card in your first 3 months of card membership. 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
Air Travel (chase.com/travel)
5x Points
Car Rental (chase.com/travel)
5x Points
Cruise (chase.com/travel)
5x Points
Entertainment (chase.com/travel)
5x Points
Hotel (chase.com/travel)
5x Points
Drugstore
3x Points
Lyft
2x Points
Everywhere
1x Points
Benefits
The Chase Freedom Flex® includes over $40 in annual credits.
Fees
Foreign Transaction
3%
Balance Transfer
$5 or 5%
(Whichever Is Greater)
Cash Advance
$10 or 5%
(Whichever Is Greater)
Late Payment
$40
Return Payment
$40
Rates
Purchase APR
18.24% - 27.74%
Transfer APR
18.24% - 27.74%
Cash Advance APR
28.49%
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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