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Pick up to 4 cards and compare fees, rewards and lounge access in one view.

Card
CommBank Neo Credit Card ✕ remove
Macy's American Express Card ✕ remove
The Platinum Card from American Express ✕ remove
Old Navy Credit Card ✕ remove
Annual fee No annual feeNo annual fee$695No annual fee
Rewards rate No rewards; simplicity focusUp to 5% back in Star Money at Macy's (varies by loyalty tier), plus cash back on gas, dining/restaurants and supermarkets and 1% everywhere else5x flights booked with Amex Travel or airlines, 5x prepaid hotels via Amex Travel, 1x other5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Visa version earns 1 point per $1 elsewhere
Rewards highlight No interest, just a simple monthly feeUp to 5% back at Macy'sMost lounge access of any card5 pts/$1 at Gap brands
Welcome bonus No welcome bonusExtra savings on your first Macy's purchase as a new cardholderLarge Membership Rewards welcome offerDiscount on your first purchase as a new cardholder
Intro APR No interest charged at any timeNoneNoneNone
Regular APR 0% interest; flat monthly fee based on credit limitSee termsSee terms (Pay Over Time)See terms
Foreign fee No international transaction feeNoneNoneNone
Lounge access ❌ No❌ No✅ Centurion Lounges, Priority Pass, Delta Sky Club (when flying Delta), Plaza Premium and more — the largest lounge network of any card❌ No
Credit needed Good credit historyFair to Good (640+)Excellent (740+)Fair to Good (640+)
Best for Balance-carriers wanting predictable, interest-free repaymentsRegular Macy's shoppers who want some everyday rewardsFrequent flyers who'll exhaust the lounge access and statement creditsFrequent Old Navy and Gap-family shoppers
Network MastercardAmexAmexVisa
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🇺🇸 Showing United States cards · change with the 🌐 selector top-right
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Chase Sapphire Reserve
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Chase Freedom Unlimited
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The Platinum Card from American Express
$695/yr · ✈ lounge
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American Express Gold Card
$325/yr
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Blue Cash Preferred Card from American Express
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$95/yr
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Citi Double Cash Card
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Wells Fargo Active Cash Card
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Ink Business Preferred Credit Card
$95/yr
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Discover it Secured Credit Card
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Citi Custom Cash Card
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Costco Anywhere Visa Card by Citi
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$95/yr
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Ink Business Cash Credit Card
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Discover it Student Cash Back
No annual fee/yr
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The Business Platinum Card from American Express
$695/yr · ✈ lounge
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Capital One SavorOne Cash Rewards Credit Card
No annual fee/yr
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Capital One Quicksilver Cash Rewards
No annual fee/yr
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Bank of America Customized Cash Rewards
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Apple Card
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U.S. Bank Altitude Reserve Visa Infinite
$400/yr · ✈ lounge
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Blue Cash Everyday Card from American Express
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American Express Business Gold Card
$375/yr
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Bank of America Premium Rewards Credit Card
$95/yr
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Wells Fargo Autograph Card
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$95/yr
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Capital One Platinum Secured
No annual fee/yr
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Target RedCard Credit Card
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Citi / AAdvantage Platinum Select World Elite Mastercard
$99/yr
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Bank of America Travel Rewards Credit Card
No annual fee/yr
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U.S. Bank Smartly Visa Signature Card
No annual fee/yr
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Citi Rewards+ Card
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Wells Fargo Reflect Card
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JetBlue Plus Card
$99/yr
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Sam's Club Mastercard
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$99/yr
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Lowe's Advantage Card
No annual fee/yr
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My Best Buy Visa Card
No annual fee/yr
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Verizon Visa Card
No annual fee/yr
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Macy's American Express Card
No annual fee/yr
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Gap Good Rewards Visa Credit Card
No annual fee/yr
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Nordstrom Credit Card
No annual fee/yr
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Synchrony HOME Credit Card
No annual fee/yr
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Kohl's Card
No annual fee/yr
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Old Navy Credit Card
No annual fee/yr
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New Fintech Rewards Card (Reported / Coming Soon)
No annual fee/yr
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American Express Business Gold (2026 Refresh)
No annual fee/yr
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U.S. Bank Cash+ (2026 Category Refresh)
No annual fee/yr
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