The biggest rewards credit cards are easier to understand when you strip them down to what they actually do best. Sapphire Reserve, Amex Platinum, Venture X, Citi Strata Elite, Bilt Palladium, Bilt Blue, United Explorer, and Citi AAdvantage Business all have real strengths, but each one also has limits. The key is knowing whether a card is worth getting for a bonus, keeping for benefits, or actually using for spend.
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