Best Cards Points Made Simple Tools About Points Made Simple

Best for beginners

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Great for beginners

Capital One Venture Rewards

Simple and flexible. Earn 2x miles on every purchase. Miles can be used to erase travel purchases or transfer to airline partners. Great if you want to keep things easy.

Sign-up bonus75,000 miles
Annual fee$95
Earning2x on everything

Best for earning big

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No annual fee

Chase Freedom Unlimited®

A great companion card. Earns 1.5% cash back on everything (which converts to Chase points if you also have a Sapphire card), plus 3% on dining and drugstores.

Sign-up bonus$200 cash back
Annual fee$0
Earning1.5x on everything
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Power earner

Chase Freedom Flex®

Earns 5% cash back on rotating quarterly categories and 3% on dining and drugstores. Pairs perfectly with the Sapphire Preferred to maximize your Chase points.

Sign-up bonus$200 cash back
Annual fee$0
Earning5x rotating categories

Best premium benefits

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Premium travel

Chase Sapphire Reserve®

The premium version of the Preferred. $300 annual travel credit, Priority Pass lounge access, and 3x on dining and travel. Worth it if you travel frequently.

Sign-up bonus60,000 points
Annual fee$550
Earning3x dining & travel
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Top tier perks

American Express® Platinum Card

The gold standard for premium travel perks. Access to 1,400+ airport lounges worldwide, up to $200 airline fee credit, up to $200 hotel credit, and Amex Membership Rewards points that transfer to dozens of partners.

Sign-up bonus80,000 points
Annual fee$695
Earning5x flights & hotels