The World of Hyatt Business Credit Card is a fantastic option for small business owners who love staying at Hyatt properties. It offers valuable perks like 4x points on Hyatt stays, automatic Discoverist status, yearly Hyatt credits, and the ability to earn free nights through spending. With no foreign transaction fees and benefits tailored to frequent travelers, it’s a great way to maximize rewards and elevate your travel experience.

The IHG One Rewards Premier Credit Card is one of those cards that’s totally worth keeping long-term. For just a $99 annual fee, the perks you get easily make up for the cost. Each year, you’ll get a Free Night certificate worth up to 40,000 points—and the best part is, you can top it off with your own points to book even nicer stays. It’s a solid way to lock in a free hotel night every year, which is why I keep this one in my wallet.

Earn 8x on Chase Travel and get over $2,000 in value from travel and business perks like lounge access, Google Workspace, and ZipRecruiter credits—just make sure your business can meet the high spend requirement.

The Southwest Rapid Rewards® Plus Credit Card is the perfect entry-level Southwest card if your main goal is getting that first checked bag free and you don't need all the premium perks. At just $99 per year, it pays for itself with one checked bag, and you'll earn 2x points on Southwest purchases plus get 3,000 anniversary bonus points each year. The thing is, if you fly Southwest a few times annually and want to stop paying those $35 baggage fees, this card is pretty much a no-brainer.

If you're new to the world of miles and points, the Chase Sapphire Preferred® Card is a great option. Not only does it offer a reasonable annual fee and sign-up bonus, but it also earns valuable Chase Ultimate Rewards points. These points can be redeemed for travel in a variety of ways. The card provides 3X points on dining and online groceries, 2X points on travel, and 1X points on all other purchases, among other benefits.

The revamped Chase Sapphire Reserve now comes with a $795 annual fee, but if you can use even half the new perks—like 4x on direct travel, 3x on dining, and up to 2¢ per point via Chase Travel—it could be worth it. Just make sure the benefits actually fit your lifestyle.

The Ink Business Cash® Credit Card is ideal for small business owners as it offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, and 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. All with no annual fee.

The Ink Business Preferred Credit Card is a great choice for small business owners who want to earn rewards on everyday expenses. Cardholders can earn 3 points per dollar spent on shipping purchases, internet, cable, and phone services, as well as advertising purchases with social media sites and search engines, and travel on the first $150,000 spent in combined purchases. Additionally, 1 point per dollar spent can be earned on all other purchases - with no limits to the amount of points that can be accumulated.

The Ink Business Unlimited® Credit Card offers 1.5% cash back on all purchases made for your business, free employee cards, and various protections without an annual fee, making it a great choice for small business owners.

The Chase Freedom Unlimited is a no-annual-fee card that earns 1.5% cashback on all purchases. It offers 3% cashback at drug stores and dining at restaurants and 5% cashback on travel bookings through the Chase Travel℠. The cashback is earned in the form of Chase Ultimate Rewards points, which can be redeemed for cash back or used for travel. Combining the points with another Chase card can maximize their value.

The Chase Freedom Flex card offers cash back rewards without an annual fee, with 3% cash back on dining and drugstore purchases, 5% cash back on travel booked through Chase Ultimate Rewards, and 5% cash back on up to $1,500 in rotating bonus categories. It's a great option for earning rewards while also enjoying flexibility.

The Southwest Rapid Rewards® Priority Credit Card is the top-tier Southwest card you need if you're a frequent flyer, especially now that Southwest does assigned seating for flights starting on January 27, 2026 – it's the only Southwest card that lets you select a Preferred seat at booking. With the first checked bag free for you and up to 8 passengers, plus the option to potentially upgrade to Extra Legroom seats, the $229 annual fee easily pays for itself if you fly Southwest regularly and want the best possible experience.

The Southwest Rapid Rewards Performance Business Credit Card offers a range of benefits, including earning points on various purchases such as flights, hotel stays, and advertising expenses. Cardholders can redeem these points at a rate of around 1.5 cents per point towards flights, based on my own analysis. Additionally, the card provides additional perks such as upgraded boardings, statement credits for Global Entry or TSA PreCheck fees, and no foreign transaction fees.