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I’ve said again and again during my time as a United℠ Explorer Card (see rates and fees) cardholder that it’s one of my favorite credit cards.

Simplicity and flexibility aren’t easy to find in credit cards these days. Most cards force you to book through a specific portal to maximize your earning rates. And instead of simple benefits, you sometimes need calendar reminders just to use them effectively.

If you fly United Airlines regularly, the United Quest℠ Card (see rates and fees) occupies a strong middle ground between entry-level airline cards and ultrapremium travel cards with sky-high annual fees.

The United Club℠ Card (see rates and fees) is a strong fit for frequent United Airlines flyers thanks to its complimentary United Club lounge membership, valuable airline perks and elevated earning rates on United purchases. However, its high annual fee will be difficult to justify if you only fly United occasionally. Card rating*: ⭐⭐⭐

Real Madrid’s Vinicius Jr has apologised ⁠⁠to ⁠⁠his teammates and the club’s fans after being sent off in the 1-0 ⁠⁠win over Villarreal in La Liga at the Santiago Bernabeu but now faces a ⁠⁠nervous wait for a ruling by the disciplinary committee, which could see him miss Real’s fixture with rivals Barcelona in two…

The IHG One Rewards Business Credit Card (see rates and fees) packs in an impressive amount of value for a $200 annual fee, especially for business owners who regularly stay at IHG properties. With perks like automatic elite status, annual travel credits and an annual free night, it can easily pay for itself — but…

The IHG One Rewards Credit Card (see rates and fees) is IHG’s no-annual-fee card option. With this card, you can earn bonus points on purchases at IHG One Rewards properties and in common spending categories. Plus, cardholders get automatic IHG Silver Elite status and an annual elite status boost.

The IHG One Rewards Premier Credit Card (see rates and fees) offers many perks for travelers who stay at IHG properties periodically.

The Southwest® Rapid Rewards® Premier Business Credit Card (see rates and fees) is Southwest Airlines’ entry-level business card, and I think it’s a smart pick for small-business owners who fly the airline a few times a year. For a $149 annual fee, you get a free checked bag, priority boarding, preferred seat selection and a…

The newest card in IHG’s credit card portfolio, the IHG One Rewards Premier Select Credit Card (see rates and fees), is an ideal choice for frequent travelers who regularly stay at IHG hotels.