Editorial Disclosure
Capital One
| Card | Ideal for | Annual fee | Earning multiplier | Key benefits | Learn more |
| Capital One Venture Rewards Credit Card
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A simple, go-to card for those who want travel miles without the hassle. | $95 | From 2x to 5x |
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| Capital One Venture X Rewards Credit Card
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The most affordable premium card on the market | $395 | From 2x to 10x |
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Learn more |
Chase
Chase Sapphire Preferred® Card
Annual fee: $95
Ideal for: A one-size-fits-all card for explorers and intermediate travelers
Earning multiplier: From 2x to 5x.
The most popular multiplier is probably the 3x bonus points on dining, select streaming services, and online groceries (excluding Walmart, Target, and wholesale clubs). Plus, you earn a 10% anniversary points bonus based on total purchases made during the account anniversary year.
My take: The card is great for those looking for an easy-to-use, everyday card. It offers 3x bonus points on dining, making it a no-brainer for those who eat out frequently.
Plus, the card’s $50 annual Chase Travel hotel credit is pretty straightforward to use, which will help offset the $95 annual fee.
Learn more here.
Ink Business Unlimited® Credit Card
Annual fee: $0
Ideal for: My go-to business card for simplicity and powerful points
Earning multiplier: You earn 1.5% cash back on all your spending, with no limits. Plus, you can convert the cash back into Ultimate Rewards points, which is probably the best way to redeem your cash back.
My take: I love this business card because it’s as simple as it gets. The 1.5% cash back can be transferred into Ultimate Rewards points when pooled with another Ultimate Rewards-earning credit card. This means you can unlock lucrative 1:1 points transfers on everyday business spending.
Learn more here.
American Express
| Card | Ideal for | Annual fee | Earning multiplier | Key benefits | Learn more |
American Express® Gold Card |
Foodies and city-folks delight | $325 | From 1x to 4x |
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