New to credit card points? Start here. These four beginner-friendly cards earn points on everything your family already buys: groceries, gas, dining out, utilities, even daycare (and so much more!). No complicated bonus categories or super high annual fees to stress about.

The result? Your points pile up automatically while you handle everyday life, and you’ll save hundreds (if not thousands!) on your next family vacation.

Each card works perfectly solo, so no need to juggle multiple cards. But if you’re ready to level up your points game later, these cards are the perfect foundation for a bigger strategy.

Ready to grab your first card?

Ready to level up your points strategy? Flexible points cards are your ticket to travel freedom. You earn on everyday spending, then transfer those points to dozens of airlines and hotels when you’re ready to book.

The magic is in the transfers. Instead of being locked into one airline, you can move your points wherever you get the best value. Europe trip? Transfer to a partner airline. Amazing hotel deal? Move points there instead.

We’ve picked cards from the top four programs and each program has unique transfer partners & benefits.

Ready to grab your next card?

Ready to supercharge your points earning? Business cards are your secret weapon for racking up points faster than personal cards. And here’s the best part: you don’t need an LLC or tons of paperwork to get approved.

Why we love business cards: They come with bigger welcome bonuses, often have lower fees, and typically don’t count toward 5/24 rules that slow down your strategy. You can keep earning while protecting your personal credit profile.

We’ve handpicked cards with generous bonuses and reasonable fees that work for everyday entrepreneurs, side hustlers, and small business owners.

Ready to grab a business card?