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Best First Travel Card
Chase Sapphire Preferred® Card
If you’re new to traveling on points, this is the card I recommend most often. It earns flexible points that you can transfer to a range of airline and hotel partners, so you aren’t locked into one program while you figure out where you want to go. It also has a manageable annual fee and solid travel protections.
Best for: beginners who want flexibility and room to grow.
Want my referral link for this card? Message me or ask on a free 10-minute call.
Best for Families With Big Grocery and Dining Spend
American Express® Gold Card
If groceries and eating out are your biggest monthly expenses, this card can earn points fast on the spending your family already does. Amex points also transfer to many airline and hotel partners, which makes them valuable for big trips.
Best for: busy families who spend a lot on food at home and out.
Want my referral link for this card? Message me or ask on a free 10-minute call.
Best for Renters and Homeowners
Bilt Cards (Blue, Obsidian, and Palladium)
Rent or a mortgage is often a family’s largest monthly expense, and most cards either can’t be used for it or charge a fee. Bilt lets you pay rent or your mortgage with no transaction fee, and its points transfer to airline and hotel partners. The key to know: how many points you earn on your housing payment depends on how much everyday spending you put on the card, so it works best as your main card.
Best for: renters and homeowners who want their biggest bill to work toward travel and are willing to make Bilt their everyday card.
Want my referral link for this card? Message me or ask on a free 10-minute call.
Best for Small Business Owners
For business owners who love Hyatt: World of Hyatt Business Credit Card
If your business spending is steady and you stay at Hyatt hotels, this is the card I’d look at first. Your business spending counts toward Hyatt elite status, with no limit on how many qualifying nights you can earn through the card. That makes top-tier Globalist status far more achievable for a small business owner than it is through stays alone. You also get annual Hyatt credits and complimentary status for you and your employees. It’s the card I personally use for my business.
For business owners who want premium benefits and flexibility: Sapphire Reserve for Business℠
If you spend more, travel often, and want points that work with many airlines and hotels, this premium card is worth a look. Starting in 2027, it’s one of only two cards that still transfer points to World of Hyatt at full value. Pair it with a no-annual-fee Ink Business Cash® or Ink Business Unlimited® to earn more on everyday business spending, then move those points over for travel.
Best for: small business owners who want their business spending to work toward travel, whether that’s Hyatt status or flexible premium points.
Want my referral link for this card? Message me or ask on a free 10-minute call.
Best If You’re Loyal to One Hotel or Airline
World of Hyatt Credit Card
If you love Hyatt hotels, this card helps you earn free nights and work toward elite status. I keep it alongside my Hyatt business card, and together they’re how I keep my Globalist status.
Atmos™ Rewards Ascent Visa Signature® Card (Alaska Airlines)
If you fly Alaska or Hawaiian Airlines, this card can earn you an annual Companion Fare when you meet a yearly spending threshold, plus free checked bags on Alaska flights. I recommend it as a second card, not a first one. It works best alongside a flexible points card, with a clear plan for which spending goes where so you reach the Companion Fare without overspending.
Best for: travelers who already have a favorite hotel brand, or who fly Alaska regularly, especially from the West Coast.
Want my referral link for these cards? Message me or ask on a free 10-minute call.