Do you travel frequently? If so, Starwood Preferred Amex is the canonical right answer to this question. Starwood points are among the most valuable pseudo-cu

Do you travel frequently? If so, Starwood Preferred Amex is the canonical right answer to this question. Starwood points are among the most valuable pseudo-currencies available (among frequent flyer miles, hotel points, etc) and if you redeem them for hotel stays you can easily get 4+ cents of value per dollar of spend, where the industry standard is 1 cent of value per dollar of spend. If you don't travel frequently, then you probably want a cash-back card. Chase Freedom is a reasonably good option. There are a variety of other options if you want to get more reimbursement for particular categories. Also: gainfully employed engineers who spend less than, say, $1k per month on their credit cards should not give this topic more than 10 minutes of thought. (This is not the case for e.g. self-employed folks who put substantial business expenses on cards -- you can justify a couple of hours amortized over the next few years if your business resembles mine.) For modestly more detail on why: https://news.ycombinator.com/item?id=10658150 https://news.ycombinator.com/item?id=10658150