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With so many credit cards on the market that offer valuable benefits and rewards, it can be difficult to decide which card is worth applying for.
Here at TPG, we understand this firsthand, as our employees often take inventory of their own settings and weigh whether they should add a new card to their wallets. With multiple considerations, the decision is not always clear.
From lucrative welcome bonuses to upgraded perks, there are many factors that can influence your decision. Here’s a quick snapshot of the cards TPG employees are applying for now and why.
American Express Platinum Card (Mahdi Sijilmasi)
Welcome offer: new The American Express Platinum Card® Members can see their offer and may be eligible for up to 175,000 bonus points after spending $8,000 in the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Annual fees: $895 (see prices and fees)
Senior Product Analyst Mahdi Al-Sijilmasi said that the fact that he qualified for the welcome offer of 175,000 points on… AMEX Platinum It was a big driver in his decision to apply. He ran the numbers on the card benefits he’s already spending money on and the ones he plans to use, and saw that it came out green.
The graphic credits that made up most of Al Mahdi’s value were:
Additionally, he said he is looking forward to gaining access to the Centurion Lounge and taking his travel experience even further.
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To learn more, read our full Amex Platinum review.
*Registration required for select benefits.
#Pay with your Amex Platinum Card at an eligible US Resy restaurant; No reservation required.
^Valid on Uber rides and Uber Eats orders in the US. Uber Cash will only be deposited into one Uber account when you add Amex Platinum as a payment method and redeem it with any Amex card.
Apply here: AMEX Platinum
Atmos Rewards Summit Visa Infinite Credit Card (Ben Smithson)
Welcome offer: New applicants can earn 80,000 bonus points and a 25,000-point Global Companion award after spending $4,000 or more on purchases within the first 90 days of account opening.
Annual fees: $395
the Atmos™ Rewards Summit Visa Infinite® Credit Card At the top of Senior Points and Miles writer Ben Smithson’s wish list, even though he’s never flown with Alaska Airlines (and said he probably never will).
Ben wants to earn some of the most valuable airline points in one big welcome bonus. He also sees value in the flexible 25,000-point Global Companion Award, which can be redeemed on all Alaska airline partners, including American Airlines and British Airways. This feature is ideal even for someone like Ben, who is based in London and doesn’t fly Alaska Airlines.
To learn more, read our full review of the Atmos Rewards Summit.
Apply here: Atmos Rewards Summit
City Strata Premier Card (Julie Hong)
Welcome offer: Earn 60,000 bonus points after spending $4,000 in the first three months of account opening.
Annual fees: $95
opened Julie Hong, Senior Public Relations Manager City Strata Premier® Card (See rates and fees) Because she’s eager to start transferring Citi ThankYou Rewards points to American Airlines.
In addition, it has Citi Double Cash® Card (See rates and fees) And he’ll be able to combine the rewards from that card with those from Strata Premier for a better conversion ratio.
Using Double Cash alone, Julie was able to convert her ThankYou points to American Airlines AAdvantage at a ratio of 1:0.7, meaning 1,000 ThankYou points would become 700 American Airlines miles. However, by pairing Strata Premier with its Double Cash, you’ll unlock a higher 1:1 conversion ratio and get 1,000 American Airlines miles for every 1,000 ThankYou points converted.
To learn more, read our full Strata Premier review.
Apply here: City Strata Premier
United Explorer Card (Rachel Kraft)
Welcome offer: Earn 60,000 bonus miles after spending $3,000 on purchases in the first three months of account opening.
Annual fees: Introductory annual fee of $0 for the first year (then $150 after that)
She finally pulled the trigger because she wants to take a safari next year, and United Airlines has 80,000-mile business class flights from Denver International Airport (DEN) to various cities in Africa. She also received a slightly higher personal welcome offer (80,000 miles), enough to cover just one of her flights.
To learn more, read our full review of the United Explorer.
Apply here: United Explorer
World of Hyatt Credit Card (Olivia Mitak)
Welcome offer: Get up to 60,000 bonus points:
- 30,000 bonus points after spending $3,000 on purchases in the first three months of account opening
- 30,000 bonus points by earning 2 bonus points per $1 spent in the first six months from account opening (on purchases that typically earn 1 bonus point; on up to $15,000 spent)
And also get two tier-eligible nightly credits Hyatt Elite Status (per qualifying night stayed with Hyatt from October 16, 2025 to January 31, 2026, for up to 15 nights).
Annual fees: $95
Credit card editor olivia mitack is interested in World of Hayat credit card (See Rates and Fees) For a free night certificate for Category 1-4 and the ability to earn night credits that qualify for status.
By redeeming the card’s annual free night certificate, Olivia can easily offset the $95 annual fee, since any stay that costs at least $96 per night puts her ahead of the curve.
To learn more, read our full review of the World of Hyatt card.
Apply here: Life world card
Bottom line
TPG staff approaches each new card strategically. They take into account their current cards, their upcoming trips, and where the new perks will add the most value.
There’s no single best strategy, but by reviewing your cards and goals, you can create a setup that supports your travel ambitions – just like our experts.
Related to: How to choose the best credit card for you
For Amex Platinum rates and fees, click here.
