Oscar W.'s Credit Cards
7 Cards
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Schwab Platinum
Schwab Platinum
Welcome Offer
80,000 Points
Worth $880
after you spend $8,000 on purchases on your new card in your first 6 months of card membership. Worth $880 in value based on Oscar's valuation of 1.1¢ per point.
Annual Fee
$895
Minimum Credit Requirement
Excellent
Benefits
The Schwab Platinum includes over $4,554 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.1¢ 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
The World of Hyatt Credit Card
The World of Hyatt Credit Card
Welcome Offer
Earn up to 75,000 Points
Worth $938
After you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Worth $938 in value based on Oscar's valuation of 1.25¢ per point.
Annual Fee
$95
Minimum Credit Requirement
Good
Benefits
The World of Hyatt Credit Card includes over $5,040 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.25¢ per Hyatt point
Hyatt Hotels
9X points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Everywhere
1x Points
Fees
Foreign Transaction
$0
Balance Transfer
Either $5 or 5% of the amount of each balance 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
28.74%
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
Welcome Offer
Earn 3 Free Night Awards
Worth $1,400
After spending $3,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Boundless® Credit Card. Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees. Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's $50 in statement credits semi-annually. Worth $1,400 in value based on Oscar's valuation of 0.6¢ per point.
Annual Fee
$95
Minimum Credit Requirement
Good
Rewards
Rewards percentage based on MaxRewards' valuation of 0.6¢ per Marriott point
Hotels (Marriott Bonvoy)
17X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy®
All Other Purchases
2X 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
28.74%
American Express® Gold
American Express® Gold
Welcome Offer
100,000 Points
Worth $1,100
after you spend $8,000 on purchases on your new card in your first 6 months of card membership. Worth $1,100 in value based on Oscar's valuation of 1.1¢ 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 1.1¢ 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%
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
Welcome Offer
Earn 75,000 Miles
Worth $1,088
When you spend $4,000 on purchases in the first 3 months from account opening Worth $1,088 in value based on Oscar's valuation of 1.45¢ per point.
Annual Fee
$395
Minimum Credit Requirement
Excellent
Benefits
The Capital One Venture X Rewards Credit Card includes over $502 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 1.45¢ per Capital One point
Hotels (Capital One Travel), Rental Cars (Capital One Travel)
10X Miles per dollar on hotels and rental cars booked through Capital One Travel.
Flights (Capital One Travel), Vacation Rentals (Capital One Travel)
5X Miles per dollar on flights and vacation rentals booked through Capital One Travel.
Every Purchase
2X Miles per dollar on every purchase, every day.
Fees
Foreign Transaction
None
Balance Transfer
Balance Transfer Fee applies to balances transferred at a promotional rate
Cash Advance
5% of the amount of the cash advance, but not less than $5
Late Payment
Up to $40
Rates
Purchase APR
19.74% - 28.74%
Transfer APR
19.74% - 28.74%
Cash Advance APR
28.74%
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
Fees
Foreign Transaction
3%
Balance Transfer
5%
Cash Advance
$5 or 5%
(Whichever Is Greater)
Late Payment
$41
Rates
Purchase APR
17.74% - 27.74%
Transfer APR
17.74% - 27.74%
Cash Advance APR
29.49%
Marriott Bonvoy Brilliant® American Express®
Marriott Bonvoy Brilliant® American Express®
Welcome Offer
Earn 150,000 Points + $250
Worth $1,150
after you spend $6,000 on purchases on your new card in your first 6 months of card membership. Worth $1,150 in value based on Oscar's valuation of 0.6¢ per point.
Annual Fee
$650
Minimum Credit Requirement
Excellent
Benefits
The Marriott Bonvoy Brilliant® American Express® includes over $680 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 0.6¢ per Marriott point
Marriott
6x Points
Airline
3x Points
Dining
3x Points
Everywhere
2x Points
Fees
Foreign Transaction
None
Rates
Purchase APR
19.74% - 28.74%
Cash Advance APR
28.99%
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.
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