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Max Point Guide
  • Home
  • Advertiser Disclosure
  • Best Cards
  • Blog

Best Cards to Start With

Start here for quick recommendations by category. See issuer sites for current terms and fees, and check out our advertiser disclosure to learn how we earn.

Read our disclosure

Best Cards

Travel rewards & points

Cards with strong travel perks and high-value redemption options.

Mid-tier travel card

95

Flexible points with broad transfer partners.

Premium travel card

395

Premium perks like lounge access, travel credits, and strong transfer partners.

No-fee travel card

0

Solid starter option with decent rewards and no annual fee.


Cash back & everyday value

Cards for groceries, gas, and everyday spend.

Flat-rate cash back card

0

Simple cash back on everything; pair with a high-yield savings for better value.

Tiered cash back card

0

Higher rewards in categories like groceries, gas, dining, or streaming—mind the quarterly caps.

Business cash back card

0

Best for owners who qualify; strong bonus categories and easier bookkeeping than mixing personal/business spend.

Add a footnote if this applies to your business


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