These days, there’s a credit card for everyone.
The good news is that while issuers keep tweaking card benefits and annual fees, several of the top heavy hitters remain my most recommended credit cards.
Check out my breakdown below, and if you need help choosing a card, reach out to contact@zachgriff.com.
| Card | Ideal for | Annual fee | Earning multiplier | Key benefits | Application link |
| Chase Sapphire Preferred® Card
|
A one-size-fits-all card for explorers and intermediate travelers | $95 | From 2x to 5x |
|
Apply now |
| Capital One Venture X Rewards Credit Card
|
The most affordable premium card on the market | $395 | From 2x to 10x |
|
Apply now |
| American Express® Gold Card
|
Foodies and city-folks delight | $325 | From 1x to 4x |
|
Apply now |
| Ink Business Unlimited® Credit Card
|
The go-to business card for simplicity and powerful points | $0 | 1.5x |
|
Apply now |
| Citi Strata Elite® Card
|
A unique premium card that taps into American Airlines with 1:1 points transfers | $595 | From 1.5x to 12x |
|
Apply now |
