A short list of points-earning credit cards our team actually keeps in rotation, and what each one is good for.
Our picks
None of these links are affiliate links yet. When they are, we will label them. In the meantime, this is what we would tell a friend if they asked where to start.
Chase
Best for: Your first serious points card
Earning
3x dining, 3x online groceries, 2x travel
Transfers to
American Express
Best for: Travelers who fly enough to use the credits
Earning
5x flights booked with airlines, 5x prepaid hotels on Amex Travel
Transfers to
Capital One
Best for: A do-everything card that pays for itself
Earning
10x on hotels booked through Capital One Travel, 2x on everything else
Transfers to
Chase
Best for: Hyatt loyalists who want free nights
Earning
4x at Hyatt properties, 2x dining, transit, gyms
Transfers to
Farro watches award programs so you can put your points to work on the trips you actually want.
See the plans