The points on this card aren't worth as much as the points in some other hotel programs — but you can earn a lot of points per dollar. IHG is relatively generous with free nights, too.

This card offers excellent rewards — not to mention transfer partners — for an unbeatable price. It doesn't offer the perks of an airline- or hotel-branded card, though.

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national ...