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For people who fly JetBlue a few times a year and check bags. It earns 6X points on eligible JetBlue purchases, 2X at restaurants and eligible grocery stores and 1X elsewhere, plus 5,000 bonus points each account anniversary. The free first checked bag covers you and up to 3 eligible companions on JetBlue-operated flights, and there is no foreign transaction fee. The caveat: the $99 annual fee only pays off if you fly JetBlue, since most other purchases earn 1X.

For small business owners who want one flat rate on every business purchase with nothing to track. It earns unlimited 2% cash rewards, has no annual fee, adds employee cards at no additional cost, and gives 0% intro APR on purchases for 12 months from account opening. The welcome offer is $500 after $5,000 in business purchases in the first 3 months. The caveat: a 3% foreign transaction fee on each transaction converted to U.S. dollars makes it a poor fit for buying abroad.

This card is for someone paying down a balance or spreading out a large purchase. It gives 0% intro APR for 21 months from account opening on purchases and on balance transfers made within 120 days, with no annual fee. It also includes up to $600 of cell phone protection against damage or theft, subject to a $25 deductible. The caveat: it earns no rewards, and each balance transfer costs 5% (minimum $5).

For people who spend most in one area and are happy to pick it. You choose one category (gas and EV charging, online shopping, dining, travel, drug stores, or home improvement) for 6% cash back in the first year, then 3%, and get 2% at grocery stores and wholesale clubs. One category at a time, up to $2,500 in combined choice and grocery purchases each quarter, then 1%. No annual fee, and 0% intro APR for 15 billing cycles. The caveat: the quarterly cap limits big spenders, and a 3% foreign transaction fee makes it a poor card abroad.

This card is for people who fly American now and then and want to collect AAdvantage miles without paying a fee. It earns 2 miles per $1 at grocery stores and on eligible American Airlines purchases, 1 mile on everything else, and 25% off inflight food and drinks. New cardmembers get a $100 statement credit plus 15,000 bonus miles after $500 in purchases in the first 3 months. The caveat: purchases abroad carry a 3% foreign transaction fee, which is awkward on an airline card.

This card is for Costco members who spend on gas, dining and travel. It earns 5% on gas at Costco and 4% on other eligible gas and EV charging on a combined $7,000 a year, then 1%, plus 3% on restaurants and eligible travel, 2% at Costco and 1% on the rest. There is no annual fee with a paid Costco membership and no foreign transaction fee. The caveat: cash back arrives once a year as a certificate you redeem at a U.S. Costco warehouse, not as money you can use anywhere.

This card is for people with fair credit who want to build their history and pay no annual fee. Chase checks the account for a credit line increase every 6 months or sooner, and Chase Credit Journey gives free credit score tracking. It also carries Purchase Protection and Extended Warranty Protection. The caveat: it earns no rewards and carries a 28.99% Variable APR, so carrying a balance gets expensive quickly.

This card is for people who want time to pay down existing debt or a large purchase without interest. Purchases and balance transfers both get a 0% intro APR for 21 months from account opening, then 18.24% - 28.24% Variable. There is no annual fee, and Chase considers the account for a credit line increase every 6 months. The caveat: it earns no rewards and a balance transfer fee applies, so it is a payoff tool rather than an everyday spending card.

This card is for people who fly Southwest a few times a year. Southwest purchases earn 3 points per $1, grocery stores and restaurants earn 2 points per $1 on the first $8,000 a year, and everything else earns 1. Cardmembers get a first checked bag free, a Preferred seat within 48 hours of departure, Group 5 boarding and 6,000 points each anniversary. The caveat: the $149 annual fee only pays off if you actually fly Southwest, and the 2X grocery and restaurant rate stops after $8,000 a year.

This card is for businesses that spend a lot and want flat cash back without tracking categories. Every business purchase earns 2%, purchases of $5,000 or more earn 2.5%, and travel booked through Chase Travel earns 5%. New cardmembers can earn $1,000 bonus cash back after $10,000 in purchases in the first 3 months. Employee cards cost nothing extra and there is no foreign transaction fee. The caveat: it is a Pay in Full card with a $195 annual fee, and only the Flex for Business portion can carry a balance.

This card is for Prime members who already do most of their shopping at Amazon.com and Whole Foods Market. Those purchases, plus Audible.com and Chase Travel, earn unlimited 5% back. Gas stations, restaurants and local transit or commuting earn 2%, and everything else earns 1%. There is no annual fee and no foreign transaction fee, and Prime members get a $150 Amazon Gift Card on approval. The caveat: the 5% rate needs an eligible Prime membership, so the card only makes sense if you already pay for Prime.

This card is for drivers and diners who want bonus cash back without rotating categories. It earns 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% on everything else, and Discover matches all cash back earned in the first year. Purchases and balance transfers get 0% intro APR for 15 months, with a $0 annual fee. The caveat: the 2% rate stops after $1,000 in combined gas and restaurant spend each quarter, then those purchases earn 1%.