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The four cards I recommend most, from a no-annual-fee starter to a premium travel card, with what each costs and which to open first.

We break down the 2026 refresh: a bigger hotel credit, new bonus categories, and two trade-offs to know about (no more anniversary bonus, Hyatt transfers at 4:3).

The real math on recouping the fee, what lounge access costs for a family in 2026, and who should still apply.

Milan to New York in First for 85,000 Skywards miles plus $140.95, against a cash fare north of $9,000.

Both cards are offering $750 back on $6,000 spent in the first three months, with no annual fee, and either can earn transferable points instead of cash back with a Sapphire or Ink Business Preferred. Compare them below to see why most business owners end up wanting both.

No. You can apply as a sole proprietor with your name and Social Security number alone.

Real point costs by region, what makes a redemption realistic, and how clients like Dawn get there with one well-timed sign-up bonus.