Capital One Quicksilver 1.5% cashback, $0 annual year 1. Chase Sapphire Preferred 5x travel points, $95 annual. Amex Platinum $695 but lounge access. Discover also zero annual.
Options by score
670+: Capital One Quicksilver.
740+: Chase Sapphire Preferred.
750+: Amex Platinum.
620+: Discover It (secured deposit).
Editorial team
CanadaFlorida Editorial Team
Research drawn from primary public sources cited at the bottom of every guide: U.S. and Florida statutes, U.S. and Canadian federal agencies, official Florida county and state authorities, and Canadian provincial bodies where applicable.
Every figure, rate, threshold, and deadline in this guide is drawn from a verifiable primary source listed at the bottom of the page. The article is updated whenever the underlying rules change, with a fresh review date stamped at the top.