Sebby's take: Despite a hefty annual fee, you get up to $3,500 in credits that help offset this. The card is great for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.

Sebby's take: Flagship travel card and offers lounge access through Priority Pass and Capital One lounges. You earn competitive multipliers on hotels, rental cars, and flights booked through Capital One Travel and 2x on everything else. The annual fee is offset through a $300 travel credit and 10,000 anniversary miles.

Sebby’s Take: One of the best starting points into the travel rewards world. You have flexible points, strong multipliers, a reasonable annual fee, and tons of optionality (whether team cash back or travel).

Sebby's take: Great multipliers and is a great standalone card or system card (Chase Trifecta). With no annual fee and tons of optionality (cash back or travel since you earn UR) it's an easy pickup.

Sebby's Take: The Prime Visa is the ultimate store card for Prime members who have significant spend at Amazon or Whole Foods. Although there's no annual fee, it's important to consider the Prime membership cost as part of the requirement for this card.

Sebby's Take: This premium travel card is packed with perks like airport lounge access, travel credits, and elevated rewards on travel and dining. It’s a top choice for frequent travelers who want premium benefits and flexible redemption options

Sebby's Take: The flagship Amex business travel card. Despite a hefty annual fee, you get up to $3,500 in credits that help offset this. The card is ideal for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.

Sebby's Take: If your business spends heavily on travel, advertising, or software, the card can return a lot of value—especially once you factor in the travel credits and lounge access. It’s a strong option for founders who want to consolidate spend and earn flexible points.