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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Learn more |
| Capital One Venture X Rewards Credit Card
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The most affordable premium card on the market | $395 | From 2x to 10x |
|
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, gas, EV charging, vacation homes at select major brands, and online groceries (excluding Walmart, Target, and wholesale clubs).
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 $100 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
American Express® Gold Card
Annual fee: $325
Ideal for: My go-to card for all things dining and grocery.
Earning multiplier: You earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year. You’ll also earn 4x Membership Rewards points at U.S. supermarkets, up to $25,000 per calendar year. These earning multipliers are among the strongest in their respective categories, which is why I think this is the single-best card for people who like to eat out or cook at home.
My take: I love the Gold card because it’s a great option for those who love to dine out. Better yet, the card includes a slew of credits that help offset the $325 annual fee. (Note that enrollment is required to take advantage of the benefits.)
This includes a $100 annual Resy credit (split into two $50 biannual chunks for use at U.S. Resy restaurants). There’s also a $120 annual dining credit, split into monthly $10 increments at select partners.
Plus, you’ll receive $10 monthly in Uber Cash for U.S. Uber and Uber Eats orders.
All these credits combined with the accelerated earning rates make this card ideal for foodies and city-dwellers.