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Credit Cards » Compare Credit Cards » Chase Sapphire Reserve vs. Emirates Skywards Premium World Elite Mastercard

Chase Sapphire Reserve vs. Emirates Skywards Premium World Elite Mastercard

The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: November 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update: November 29, 2024
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: November 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update:November 29, 2024

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Chase Sapphire Reserve® and Emirates Skywards Premium World Elite Mastercard® are both luxury travel rewards credit cards that offer a variety of benefits. Let's compare them side by side.

General Comparison

The Emirates Skywards Premium World Elite Mastercard is perfect for travelers who love luxury. It’s designed for loyal Emirates Airlines fans, offering perks like free lounge access, priority boarding, and bonus Skywards Miles on Emirates flights.

On the other hand, the Chase Sapphire Reserve is a great pick for anyone looking for a flexible travel rewards card. It covers a wide range of travel expenses, from flights and hotels to car rentals and dining, making it a versatile choice for all kinds of travelers.

Here’s a side-by-side look at their main features:

Emirates Skywards Premium World Elite Mastercard® review
Chase Sapphire Reserve
Emirates Skywards Premium World Elite Mastercard
Annual Fee
$550
$499
Rewards
5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.
3X miles per dollar on eligible Emirates purchases, 2X miles for travel purchases and 1X mile for all other purchases
Welcome bonus
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
21.99% – 28.99% variable APR
20.74% – 29.99%
Read Review
Read Review
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy points after spending $6,000 within the first 6 months of card membership.

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
60,000 miles 60,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy points after spending $6,000 within the first 6 months of card membership.

Amex Delta SkyMiles Platinum card
Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles Earn 70,000 bonus miles + 500 Premier qualifying points (PQP)
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy points after spending $6,000 within the first 6 months of card membership.

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
60,000 miles 60,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Rewards: Which Card Gives More?

The Chase Sapphire Reserve card offers better rewards for your spending compared to the Emirates card. The Emirates card gives you fewer points for the same spend and offers fewer options for redeeming those points than Chase’s Ultimate Rewards program.

Emirates Skywards Premium World Elite Mastercard® review
Spend Per Category
Chase Sapphire Reserve
Emirates Skywards Premium World Elite Mastercard
$10,000 – U.S Supermarkets
10,000 points
10,000 miles
$5,000 – Restaurants
15,000 points
5,000 miles
$6,000 – Hotels
60,000 points
12,000 miles
$8,000 – Airline
40,000 points
24,000 miles
$4,000 – Gas
4,000 points
4,000 miles
Total Points
129,000 points
55,000 miles
Estimated Redemption Value
1 point ~ 1 – 1.5 cent
1 point = ~1.1 cents
Estimated Annual Value
$1,290 – $1,935
$605

Can I Transfer Chase Reserve Points To Emirates?

The Chase Sapphire Reserve card is part of the Chase Ultimate Rewards program. With this program, you can transfer your points to different airlines and hotels, and one of the options is Emirates.

When you transfer your Chase Ultimate Rewards points to Emirates, the exchange rate is 1:1. This means that for each point you transfer, you get one mile with Emirates.

To make the transfer, just log in to your Chase account, go to the Ultimate Rewards portal, choose the transfer option, and follow the steps they provide.

Here's an example:

Chase Sapphire Reserve Airline Transfer Partners - Aer Lingus, Air Canada, British Airways, Emirates
Chase Sapphire Reserve Airline Transfer Partners - Aer Lingus, Air Canada, British Airways, Emirates (Screenshot from Chase app)

Travel And Airline Benefits: Comparison

If you want more travel perks, the Chase Sapphire Reserve is the better choice. It gives you $300 each year for travel, boosts your points by 50% when you use them for travel, and has lots of other cool extras.

The Emirates card gives you Gold Tier membership for just the first year, and you can only keep it if you spend $40,000. The other benefits are okay, but they're not as good as what you can get with the Reserve card.

Chase Sapphire Reserve

  • $300 Annual Travel Credit: Obtain a statement credit of up to $300 annually, applicable to various travel purchases.
  •  50% Boost in Travel Redemption Value: When redeeming points for travel, enjoy a 50% boost in value, translating to, for instance, $900 for 60,000 points.
  • Complimentary Airport Lounge Access: Benefit from complimentary access to over 1,300 airport lounges worldwide, extending to you and up to two guests.
Priority pass lounge England
Priority pass lounge (Photo by EQRoy/Shutterstock)
  • $100 Global Entry/TSA PreCheck/NEXUS Fee Credit: Receive a statement credit of up to $100 every four years to cover application fees for Global Entry, TSA PreCheck, or NEXUS.
  • 24/7 Customer Service: Access dedicated customer service specialists around the clock for timely assistance.
  • Lyft Pink Membership: Enjoy a complimentary two-year membership to Lyft Pink All Access, inclusive of discounts and rewards.
  • DoorDash DashPass Subscription: Avail a year of $0 delivery fees and reduced service fees on eligible orders.
  • Monthly DoorDash Credit: Receive $5 in DoorDash credits monthly until December 31, 2024.
  • Instacart Membership: Receive a one-year complimentary Instacart+ membership for convenient grocery delivery.
  • Monthly Instacart Credit: Instacart+ members can earn up to $15 in statement credits each month through July 2024.
  • Priority Pass Select Membership: Gain access to over 1,300 VIP airport lounges globally for an enhanced travel experience.
  • Luxury Hotel & Resort Collection: Enjoy perks such as room upgrades, daily breakfast, late checkout, and additional benefits at select hotels and resorts.
  • 10x on Peloton Purchases: Earn a total of 10 times the points on Peloton equipment and accessories priced over $150 until March 31, 2025.
  •  
Emirates Skywards Premium World Elite

Emirates Skywards Premium World Elite Mastercard® review

  • Emirates Gold Tier Membership: during your first year, and retain your tier status by spending $40,000 each cardmembership year. These include:
    • Higher excess baggage allowance
    • Priority customer service
    • Guaranteed economy class seats even on full flights
    • Complimentary access to Emirates Business Class lounges in Dubai and across the Emirates network for the cardholder and a guest.
    • 50% bonus on miles earned through flights on Emirates or Flydubai.
  • Global Entry or TSA PreCheck Application Fee Credit: Enjoy an automatic statement credit covering one application fee every five years, up to $100.
  • 25% Savings on Buying or Gifting Miles: Benefit from a 25% discount when purchasing or gifting Skywards Miles.
  • Priority Pass™ Select Lounge Access: Gain unlimited access to over 1,200 lounges globally for both the primary cardmember and their guest(s).
  • World Elite Concierge: Access a complimentary 24/7 concierge service.
  • Elite Rental Car Status: Receive elite status with Avis, Sixt, and National Car Rental.
  • Mastercard Luxury Hotels and Resorts: Enjoy perks such as upgrades, amenity credits, and complimentary breakfast at over 3,000 properties in Mastercard's Luxury Hotels and Resorts portfolio.
  • Mastercard Priceless: Gain access to unique experiences and events, including PGA TOUR access in more than 40 cities worldwide.
  • Peacock Premium Discounts: Save $3 on Peacock Premium or $5 on Peacock Premium Plus monthly subscription using your World Elite Mastercard.
  • Instacart Benefits: Enjoy fast grocery delivery within an hour with Instacart, plus receive 2 free months of Instacart+ for free delivery and a $10 monthly discount on your second order.
  • Lyft Rewards: Take 3 Lyft rides in a month and receive a $5 credit each month towards your next ride, adding an adventurous touch to your travels.
  • ShopRunner Membership: Unlock the convenience of free 2-day shipping and returns at top stores like Under Armour and Bloomingdale’s with a complimentary ShopRunner membership

Travel Insurance And Protections: Comparison

Overall, the Chase Sapphire Reserve card coverage is much better than the Emirates Skywards Premium card. Here are the common protections for both cards:

  • $0 Liability On Unauthorized Charges: ensuring you are not held responsible for charges you did not authorize.

Unique protections for the Emirates Skywards Premium card:

  • Cell Phone Protection: This embedded benefit provides reimbursement for repair or replacement costs after cell phone damage or theft.
Chase Sapphire Reserve as travel insurance card
The Chase Sapphire Reserve, one of the best cards for travel insurance. (Photo by NaMong Productions/Shutterstock)

Unique travel insurance and protections for the Chase Sapphire Reserve card:

  • Car Rental Loss and Damage Insurance: When you reserve and pay for a rental vehicle with your Card, declining the rental counter's collision damage waiver, you can be protected against damage or theft in specific regions, subject to certain exclusions and limitations
  • Trip Delay Insurance: If your trip faces a delay of more than 6 hours due to a covered reason and you paid for the round-trip with your Eligible Card.
  • Baggage Insurance Plan: When you purchase a common carrier vehicle ticket with your Eligible Card, you can receive coverage for lost, damaged, or stolen baggage.
  • Trip Cancellation and Interruption Insurance: Buying a round-trip with your Card can assist in the event of trip cancellation or interruption, following the specified terms and conditions.

  • Travel Accident Insurance: Pay for air, bus, train, or cruise transportation with your card and get accidental death or dismemberment coverage of up to $1,000,000.

  • Travel and Emergency Assistance Services: Benefit from legal and medical referrals or other emergency assistance away from home, with coverage for incurred costs (excluding goods or services obtained).

  • Travel and Emergency Assistance Services: Offers access to legal and medical referrals and other travel emergency assistance when you encounter problems away from home.
  • Emergency Evacuation and Transportation: Provides coverage for medical services and transportation in case of an emergency evacuation during a trip far from home.
  • Roadside Assistance: Offers roadside services like towing, jumpstarts, tire changes, locksmith, or gas.
  • Emergency Medical and Dental Benefit: Provides reimbursement of up to $2,500 for medical expenses if you or an immediate family member become sick or injured while 100 miles or more from home on a trip.
  • Purchase Protection: Covers new purchases against damage or theft for 120 days.
  • Return Protection: Reimburses eligible items that the store won't accept returns for within 90 days of purchase.
  • Extended Warranty Protection: Extends the time period of U.S. manufacturer's warranties by an additional year on eligible warranties of three years or less.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy points after spending $6,000 within the first 6 months of card membership.

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
60,000 miles 60,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy points after spending $6,000 within the first 6 months of card membership.

Amex Delta SkyMiles Platinum card
Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles Earn 70,000 bonus miles + 500 Premier qualifying points (PQP)
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy points after spending $6,000 within the first 6 months of card membership.

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
60,000 miles 60,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer The Chase Sapphire Reserve?

You might prefer the Chase Sapphire Reserve card because it offers:

  • Better Points Rewards Ratio: According to our analysis we can see that the Chase Sapphire Reserve provides a superior value compared to Emirates Skywards Premium World Elite Mastercard.

  • Better Travel Insurance And Protections: Chase Sapphire Reserve provides comprehensive travel insurance and protections, including trip cancellation/interruption coverage and primary rental car insurance, surpassing the coverage offered by Emirates Skywards Premium World Elite Mastercard.

  • Better Extra Travel Perks: Chase Sapphire Reserve presents a broader range of extra travel perks, such as complimentary airport lounge access, Global Entry/TSA PreCheck fee credit, Lyft Pink membership, DoorDash DashPass subscription, and more, offering a more extensive set of benefits compared to the Emirates card.

  • Better Redemption Options: Chase Sapphire Reserve provides more versatile redemption options through the Chase Ultimate Rewards portal, allowing cardholders to use points for various travel-related expenses, while Emirates Skywards Premium World Elite Mastercard is more limited in its redemption scope, primarily tied to Emirates Airlines.

When You Might Prefer The Emirates Premium Card?

You might prefer the Emirates Premium Card if:

  • Dedicated Emirates Traveler: For those dedicated to flying with Emirates Airlines, the Emirates Skywards Premium World Elite Mastercard is the preferred choice. It provides tailored benefits like Emirates Gold Tier membership and World Elite Mastercard benefits such as elite rental car status on Avis & Sixt or world elite conceriege.

Compare The Alternatives

If you're looking for a premium travel credit card with airline rewards – there are some good alternatives you may want to consider:

Venture X Rewards

amex platinum

Delta SkyMiles® Reserve American Express Card
Capital One Venture X
The Platinum Card® from American Express
Delta SkyMiles® Reserve American Express
Annual Fee
$395
$695. See Rates & Fees
$650. See Rates and Fees.
Rewards
1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
1X – 3X 3X miles per dollar on eligible Delta flights and Delta Vacations® with 1X miles on all other purchases
Welcome bonus
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
70,000 miles Earn 70,000 bonus miles after you spend $5,000 in eligible purchases on your new card in your first six months of card membership.
Foreign Transaction Fee
$0
$0. See Rates & Fees
$0
Purchase APR
19.99% – 29.74% (Variable)
See Pay Over Time APR
20.24% – 29.24% Variable
Read Review
Learn More
Read Review
Learn More
Read Review
Learn More

Compare Chase Sapphire Reserve Card

When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.

Chase Sapphire Preferred vs Reserve: Which is Better?

While Chase Sapphire Reserve offers better protections and redemption options, Venture X is cheaper and offers premium travel benefits.

Chase Sapphire Reserve vs. Capital One Venture X: Comparison

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?

American Express Gold Card vs Chase Sapphire Reserve: Which Card Is Best?

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Is Better?

The Chase Sapphire Reserve offers more versatile travel rewards and redemption options. But if you need airline perks, the Delta Reserve wins.

Chase Sapphire Reserve vs. Delta SkyMiles Reserve: Comparison

While the Brilliant card focuses on benefits tailored to Marriott enthusiasts, the Chase Reserve focuses on general, luxury travel perks.

Marriott Bonvoy Brilliant vs. Chase Sapphire Reserve: How They Compare?

While both cards offer premium travel perks, the Chase Reserve is the winner as it provides better travel perks and more redemption options.

Bank of America Premium Rewards Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Reserve wins on cashback rates, travel perks, and insurance. Is it worth the annual fee difference? We think it does – here's why.

Chase Sapphire Reserve vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Amex Aspire offers excellent value for hotel perks, while the Chase Reserve card is best for flexibility and redemption options.

Chase Sapphire Reserve vs. Hilton Amex Aspire: Side By Side Comparison

While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.

United Quest vs. Chase Sapphire Reserve: How They Compare?

Both Citi/AAdvantage Executive and Chase Sapphire Reserve offer great cashback value, but the latter is our winner. Here's why:

Citi/AAdvantage Executive World Elite vs. Chase Sapphire Reserve: Which Card Is Best?

Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.

U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?

Compare Emirates Premium World Elite Mastercard

The Amex Platinum card is a clear winner as it offers much higher annual cashback value, luxury travel perks, and various travel protections.

Amex Platinum Card vs. Emirates Skywards Premium World Elite Mastercard: How They Compare?

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Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.

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