Best Credit Cards — April 2026

A go-to for beginners. It's an easy way to earn more points with bonus categories on travel, dining and more. Plus, you can transfer points to airline and hotel partners.

The Chase Sapphire Reserve® Business comes with a steeper annual fee at $795 but it also offers a ton of perks. As it earns Ultimate Rewards points, you can transfer to a bunch of partners including United MileagePlus and World of Hyatt.

It’s tough to find a better business card with transferable points. Businesses can earn 3x points on a bunch of categories up to $150k per year. Plus, it comes with a great cell phone protection benefit.

While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Unlimited to airline and hotel partners.

While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Cash to airline and hotel partners.

The big brother of the Sapphire Preferred, it's a great option for Sapphire Lounge access and the ability to earn bonus points on hotel stays and flights.

It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and 1.5% back on all other spend, this is a great supplementary card.

It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and rotating quarterly 5% bonus categories, this is a great supplementary card.

One of my favorite cards on the market right now. I regularly use it to earn 2x on spend that otherwise would earn 1x. Throw in lounge access and up to 3 free authorized users (who also get lounge access), and you have something special.

A great card for lounge access, statement credits, and premium cabin flight discounts. The best offer is currently via personal referral. Click "Learn More" below to apply via referral.

One of the best cards for earning Amex points thanks to 4x on groceries (up to $25k per year) and 4x at restaurants. The best offer is currently via personal referral.

A card packed with perks and statement credits for small business owners.

Earn 4x on a bunch of categories on up to $200k per calendar year. It's possible to get a welcome offer for 130k points but it's highly targeted.

Not only is this card the best way to start earning valuable ThankYou Points, but it has some great 3x bonus categories and an annual $100 hotel credit. Not bad for a card with a low annual fee.

If you fly American Airlines a few times per year, the Strata Elite's four annual lounges passes could be quite useful but you can still can still earn transferable points.

An easy way to earn 2x on all of your business spend and get a bunch of travel perks.

Listed as a cash back card, you can turn the cash into transferable points by moving the cash back to a card that earns Capital One Miles (i.e. Capital One Venture X). It’s also a charge card so there’s no set limit if you have large business expenses.

The Capital One Spark Cash is arguably one of the most lucrative cash back business credit card out there. Unlimited 2% cash back is pretty tough to beat, especially if you don’t want to learn the ins-and-outs of redeeming miles. The card also has an excellent welcome bonus, as well as the annual fee waived for the first year. For a vast majority of businesses, I think a card like this is a great option for earning generous yet straightforward rewards.

A lower annual fee than the Platinum or Gold, the Green Card is a solid earner with 3x on dining and travel. You’ll also get an annual $100 credit for both a CLEAR membership and LoungeBuddy. Just make sure you apply for the best welcome offer.

The Capital One Venture Business is a straightforward and rewarding card. It has a huge welcome bonus of up to 150,000 miles, and it offers a minimum of 2x miles on all purchases, making it a great card for everyday spending. The card also offers up to $100 in credits annually, including a $50 travel credit through Capital One Business Travel, and up to $50 in credits on purchases at qualifying advertising or software merchants. This is a great card for anyone who wants a lucrative card for everyday spending with a reasonable annual fee.

Pair this no annual fee card with the Citi Premier and the cash back you earn can become transferable ThankYou Points. Since you’ll earn 2x on all purchases, this card makes sure you never have to earn 1x.