Oscar W.'s Credit Cards
7 Cards
Check out my favorite cards! Apply with my referral link, and we'll both get rewarded.
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 $5,000 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
19.24% - 27.74%
Transfer APR
19.24% - 27.74%
Cash Advance APR
28.49%
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
Welcome Offer
Earn 4 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
19.24% - 27.74%
Transfer APR
19.24% - 27.74%
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 $1,100
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 $1,100 in value based on Oscar's valuation of 1.1¢ 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 1.1¢ per Membership Rewards point
Prepaid Hotel Stays (AmexTravel.com or Amex Travel App)
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 (AmexTravel.com, Amex Travel App), Flights (Direct From Airlines)
3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Prepaid Car Rentals (AmexTravel.com), Cruises (AmexTravel.com)
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%
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
19.49% - 28.49%
Transfer APR
19.49% - 28.49%
Cash Advance APR
28.49%
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
Rates
Purchase APR
17.49% - 27.49%
Transfer APR
17.49% - 27.49%
Cash Advance APR
29.24%
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
Welcome Offer
Earn 150,000 Points + $250
Worth $1,150
After you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026. Worth $1,150 in value based on Oscar's valuation of 0.6¢ per point.
Annual Fee
$650
Minimum Credit Requirement
Good
Benefits
The Marriott Bonvoy Brilliant® American Express® Card includes over $680 in annual credits.
Rewards
Rewards percentage based on MaxRewards' valuation of 0.6¢ per Marriott point
Hotels (Marriott Bonvoy)
Up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy.
Marriott Bonvoy Membership
Up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member.
Hotels (Marriott Bonvoy)
6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Stays (Marriott Bonvoy)
Up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
Restaurants Worldwide, Flights (Booked Directly With Airlines)
3X points at restaurants worldwide and on flights booked directly with airlines.
All Other Eligible Purchases (Marriott Bonvoy Brilliant American Express Card)
2X points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® 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%
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.
Add my referral code oscarw51 so we both benefit!