American Express

What I love the most is that you can apply for any card and they will tell you if you are approved or not first without hurting your credit score.

Gold Card

I would recommend this card for most people getting into premium cards as it has a lower annual fee and food is the main purchase for most people.

Pros

• Points on both dining and groceries

• Credits: Uber, Grubhub, Resy

Cons

• Dunkin’ Donuts credit

• No benefits outside of food

Platinum Card

I personally think it is the best credit card. All the credits will add up to more than $1K. You get access to the most airport lounges, which includes the Centurion lounge, Delta lounge, and others under the included Priority card.

Pros

• Credits: Entertainment, Hotels, Lululemon

• Delta & Centurion lounges access

Cons

• Credits: Airline (confusing), Oura, Saks gone

• Highest Annual Fee ($895)

Hilton Aspire

I think this is the best hotel card. I still need to test it out as I just got it.

Pros: Free night for any hotel, resort credit, diamond status

Cons: low quarterly flight credits ($50)

Delta Reserve

I think this is the best airline card. Most people should get Delta Gold as the 15% off using points is the main selling point.

Pros: Monthly Resy credit, universal rideshare credits, 15% off flights via points

Cons: Delta card has most of benefits, Amex earns more points