1. Chase Sapphire Preferred: Travel Like a Pro Without Paying Full Price

If you travel even a few times a year, Chase Sapphire Preferred is a no-brainer. You’ll earn 2x points on travel and dining and get a massive sign-up bonus—often worth $750+ if redeemed through Chase Travel. The points are flexible too. You can transfer them to travel partners like United or Hyatt, which often gives you more bang for your buck. Yes, there’s a $95 annual fee, but frequent travelers usually earn it back quickly through perks alone.

2. Capital One Quicksilver: Cash Back Without the Confusion

Not into micromanaging categories or checking reward calendars? Quicksilver keeps it simple.