🏢 Best Business Cards
For business owners who want to earn serious points on everyday business spend.
Chase Ultimate Rewards — transfers to United, Hyatt, Southwest, BA and more
Cell phone protection up to $1,000 per claim
No foreign transaction fees
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Pair with Sapphire Preferred/Reserve to transfer 75k points to travel partners
No annual fee — great as a long-term keeper card
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Pair with a Sapphire card to unlock travel transfer partners
Simplest earn structure — flat rate on all spend, no categories to track
No annual fee
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Auto-adjusts to your top two categories each billing cycle (US shipping, airfare, ads, dining, gas, computers)
$240 annual statement credits ($20/mo on eligible purchases)
Transfer MR points to Delta, Air Canada, British Airways, Hilton, Marriott and more
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1,500+ airport lounges worldwide including Centurion Lounges
Up to $1,000/year in business credits ($500 Dell, $500 Indeed)
$200 airline fee credit + Global Entry/TSA PreCheck credit
Up to $400/year in wireless/tech credits
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$300 annual travel credit on Capital One Travel bookings
Unlimited Priority Pass lounge access + Capital One Lounges
Transfer to Air Canada, Turkish Airlines, Avianca, Wyndham and more
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👤 Best Personal Travel Cards
For individuals and families who want to earn points on everyday personal spending.
Full access to Chase Ultimate Rewards transfer partners — United, Hyatt, Southwest, BA, Singapore
Trip cancellation/interruption insurance up to $10,000 per person
Primary rental car insurance
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$300 annual travel credit — effectively drops annual fee to $250
Priority Pass lounge access for you + 2 guests
Global Entry / TSA PreCheck credit ($100)
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$120 dining credit at Grubhub, Cheesecake Factory, Goldbelly, Wine.com ($10/mo)
$100 hotel credit on The Hotel Collection bookings (2+ nights)
Transfer to Delta, BA, Air France, Singapore, Marriott and more
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1,400+ airport lounges — Centurion, Priority Pass, Delta Sky Club (on Delta flights)
Up to $1,500+ in annual credits (travel, hotel, Clear, Equinox, streaming, etc.)
Marriott Bonvoy Gold + Hilton Honors Gold status automatically
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$300 annual travel credit — effectively reduces fee to $95
10,000 bonus miles every account anniversary (~$100 value)
Unlimited Priority Pass + Capital One lounge access
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$100 annual hotel credit on single-stay bookings of $500+ via Citi
Transfer to Turkish Miles&Smiles, Air France/KLM, Avianca and more
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$0 Annual Fee Cards
Keep these forever. Great as standalone earners or paired with a premium card to maximize every dollar.
Pair with Sapphire Preferred/Reserve to convert cash back to transferable UR points
Purchase protection and extended warranty
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Earns full Amex Membership Rewards — transferable to 20+ airline and hotel partners
No annual fee — one of the best no-fee MR-earning cards available
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Transfers to Capital One travel partners including Air Canada, Turkish, Avianca
No foreign transaction fees
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