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This is one of the best Beginner Cards. This is because Chase has some great transfer partners and you can get some great value out of them and this card has a very attractive annual fee of $95.

Chase has changed the value you get in-portal for the points, but transferring out will still get you great value

This card is great for those who want a simple, high-earning card.

This card is favored by many because of the 18 different transfer partners Capital One has AND the 2x points earned on every purchase

This card has been a fan favorite as a premium credit card because of it's simplicity and low price

Annual Fee: $395, but this comes with lounge access and you earn 2x points on everything!

 This offer can be valuable in the right circumstances. This card has recently drastically increased their annual fee. However, this Welcome Offer could be worth it if you are going to use the $500 in-portal credit as well as the $300 credit.

The additional benefits sound great, however, many are not items everyone is going to use anyway and are dolled out in small, monthly credits, making them harder to use