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%
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 $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
18.49% - 28.49%
Transfer APR
0% intro on balance transfers
Cash Advance APR
28.49%
Amex Platinum
Amex Platinum
Welcome Offer
175,000 Points
Worth $2,625
after you spend $12,000 on purchases on your new card in your first 6 months of card membership. Worth $2,625 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$895
Minimum Credit Requirement
Excellent
Benefits
The Amex Platinum includes over $3,554 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.5¢ per Membership Rewards point
Air Travel (amextravel.com)
5x Points
Airline
5x Points
Car Rental (amextravel.com)
5x Points
Cruise (amextravel.com)
5x Points
Hotel (amextravel.com)
5x Points
Everywhere
1x Points
Rates
Purchase APR
19.49% - 28.49%
Cash Advance APR
28.74%
American Express® Gold
American Express® Gold
Welcome Offer
100,000 Points
Worth $1,500
after you spend $8,000 on purchases on your new card in your first 6 months of card membership. Worth $1,500 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$325
Minimum Credit Requirement
Excellent
Benefits
The American Express® Gold includes over $674 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.5¢ per Membership Rewards point
Dining
4x Points, limited to $50,000 in spend
Grocery
4x Points, limited to $25,000 in spend
Air Travel (amextravel.com)
3x Points
Airline
3x Points
Car Rental (amextravel.com)
3x Points
Cruise (amextravel.com)
3x Points
Hotel (amextravel.com)
3x Points
Everywhere
1x Points
Rates
Purchase APR
19.49% - 28.49%
Cash Advance APR
28.74%
Amex Platinum
Amex Platinum
Welcome Offer
175,000 Points
Worth $2,625
after you spend $12,000 on purchases on your new card in your first 6 months of card membership. Worth $2,625 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$895
Minimum Credit Requirement
Excellent
Benefits
The Amex Platinum includes over $3,554 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.5¢ per Membership Rewards point
Air Travel (amextravel.com)
5x Points
Airline
5x Points
Car Rental (amextravel.com)
5x Points
Cruise (amextravel.com)
5x Points
Hotel (amextravel.com)
5x Points
Everywhere
1x Points
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
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 (Excluding Walmart, Target, and Wholesale Clubs)
3x Online groceries (excluding Walmart, Target, and wholesale clubs)
Streaming Services
3x On top streaming services
Vacation Homes
3x On vacation homes
All 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
None
Rates
Purchase APR
19.24% - 27.49%
Transfer APR
19.49% - 27.74%
Cash Advance APR
28.49%
Blue Business® Plus
Blue Business® Plus
Welcome Offer
15,000 Points
Worth $225
after you spend $3,000 on purchases on your new card in your first 3 months of card membership. Worth $225 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$0
Minimum Credit Requirement
Good
Benefits
The Blue Business® Plus includes over $250 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.5¢ per Membership Rewards point
All
2x Points, limited to $50,000 in spend
Everywhere
1x Points
Fees
Foreign Transaction
2.7%
Rates
Purchase APR
16.99% - 28.74%
Hilton Honors American Express Surpass®
Hilton Honors American Express Surpass®
Welcome Offer
130,000 Points
Worth $520
after you spend $3,000 on purchases on your new card in your first 6 months of card membership. Worth $520 in value based on Melanin's valuation of 0.4¢ per point.
Annual Fee
$150
Minimum Credit Requirement
Excellent
Benefits
The Hilton Honors American Express Surpass® includes over $450 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 0.4¢ per Hilton Honors point
Hilton
12x Points
Dining
6x Points
Gas
6x Points
Grocery
6x Points
Online Shopping
4x Points
Everywhere
3x Points
Fees
Foreign Transaction
None
Rates
Purchase APR
19.74% - 28.74%
Cash Advance APR
28.99%
Blue Cash Preferred®
Blue Cash Preferred®
Welcome Offer
$300
after you spend $3,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$95
Minimum Credit Requirement
Excellent
Benefits
The Blue Cash Preferred® includes over $370 in annual credits.
Rewards
Grocery
Limited to $6,000 in spend
Streaming
Gas
Ride-Sharing
Transit
Everywhere
Fees
Foreign Transaction
2.7%
Rates
Purchase APR
19.74% - 28.74%
Transfer APR
19.74% - 28.74%
Cash Advance APR
28.99%
Business Gold
Business Gold
Welcome Offer
150,000 Points
Worth $2,250
after you spend $15,000 on purchases on your new card in your first 3 months of card membership. Worth $2,250 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$375
Minimum Credit Requirement
Good
Benefits
The Business Gold includes over $1,095 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.5¢ per Membership Rewards point
Choice
4x Points, limited to $150,000 in spend. With "Choice," you select which category earns this bonus rate.
Choice
4x Points, limited to $150,000 in spend. With "Choice," you select which category earns this bonus rate.
Air Travel (amextravel.com)
3x Points
Hotel (amextravel.com)
3x Points
Everywhere
1x Points
Fees
Foreign Transaction
None
Rates
Purchase APR
17.99% - 28.74%
American Express® Gold
American Express® Gold
Welcome Offer
100,000 Points
Worth $1,500
after you spend $8,000 on purchases on your new card in your first 6 months of card membership. Worth $1,500 in value based on Melanin's valuation of 1.5¢ per point.
Annual Fee
$325
Minimum Credit Requirement
Excellent
Benefits
The American Express® Gold includes over $674 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.5¢ per Membership Rewards point
Dining
4x Points, limited to $50,000 in spend
Grocery
4x Points, limited to $25,000 in spend
Air Travel (amextravel.com)
3x Points
Airline
3x Points
Car Rental (amextravel.com)
3x Points
Cruise (amextravel.com)
3x Points
Hotel (amextravel.com)
3x Points
Everywhere
1x Points
Rates
Purchase APR
19.49% - 28.49%
Cash Advance APR
28.74%
Blue Cash Everyday®
Blue Cash Everyday®
Welcome Offer
$200
after you spend $2,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$0
Minimum Credit Requirement
Excellent
Benefits
The Blue Cash Everyday® includes over $514 in annual credits.
Rewards
Gas
Limited to $6,000 in spend
Grocery
Limited to $6,000 in spend
Online Shopping
Limited to $6,000 in spend
Everywhere
Fees
Foreign Transaction
2.7%
Rates
Purchase APR
19.74% - 28.74%
Transfer APR
19.74% - 28.74%
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
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
Limited Time Offer! Earn a $250 Bonus
Worth $250
After you spend $500 on purchases in your first 3 months from account opening! Worth $250 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
None
Rates
Purchase APR
18.24% - 27.74%
Transfer APR
0% Intro APR on Balance Transfers
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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