It’s hard to pick the “best” travel credit card. What’s best for one person might not be best for another. A lot depends on how frequently you travel, if you are loyal to a single airline or hotel, and your non-travel purchases on a credit card. With those caveats aside, we think the Chase Sapphire Preferred® Card is the best all purpose travel credit card.

You earn two points per dollar spent on travel and dining. You also earn a 25% bonus when you use the points for travel through Chase Ultimate Rewards. The card also offers lost luggage insurance, travel insurance and one-to-one point transfers to its partner hotel and airline programs.

New card members can also earn Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®. If used for travel through Chase Ultimate Rewards, these points are worth $750.

The card does charge a $95 annual fee, but it’s worth it if you travel even a modest amount each year. For more frequent travelers, check out the Chase Sapphire Reserve® later in this article.

Some get into travel rewards for the free flights or hotel rooms while others get into the game for lounge access. For consultants and road warriors who spend lots of time in airports, relaxing before a flight in a private area with free food and WiFi is worth an annual fee. And the best card for lounge access, whether domestically or internationally, is The Platinum Card from American Express.

With the card, you have access to the card’s own Centurion Lounges, International American Express Lounges, as well as hundreds of others through partnerships with Priority Pass, Plaza Premium, Air Space and Escapes. Card holders can also use Delta Sky Club lounges when flying on that airline.

Domestically, airlines have made it more difficult in recent years to garner lounge access through their networks using the Priority Pass. But if you make a point of flying on Delta or through airports that have Centurion Lounges (examples: Dallas Fort Worth International Airport and San Francisco International Airport), it shouldn’t be a problem.

You can also supplement your Platinum Card and sign up for LoungeBuddy, an app that maps airline lounges around the world and offers access for around $35 a pop.

Of course, the The Platinum Card® from American Express offers more than lounge access. You can also earn . In addition, the card offers a laundry list of rewards:

• Up to $200 a year in Uber credits
• 5x Membership Rewards Points on flights booked directly with the airline or through American Express Travel
• 5x Membership Rewards Points on hotels booked on amextravel.com
• $200 airline fee credit
• Fee credit for GLOBAL ENTRY or TSA PRE✓

These rewards don’t come cheap. The card charges a $550

Although points per dollar spent is an important factor to look at when deciding on a rewards card, there are some who say nabbing a card is all about one thing: the sign-up bonus.

Ink Business Preferred℠ Credit Card is a card that typically offers one of the best sign up bonuses – earn Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. after $5,000 in purchases during the first three months. Points can be spent directly on travel (in that case they’re worth 1.25 cents apiece) or converted to airline miles or hotel points, where the potential value is higher.

However, sign up bonuses for cards change seasonally. If you have a particular card in mind that fits your spending habits, it might make sense to shop around. Typically, the best offers for airline cards are in November, while hotel cards make their best offers in August.

If you’re interested in the travel rewards game for the perks, getting a co-branded loyalty card is probably the best option for you. Many travel hackers will have one card that they use to accrue points and then one that they use for a specific loyalty program.

Different cards offer different perks. In general, however, when you cut through all the details, their benefits are pretty similar.  So if you are already loyal to one airline or hotel group, choose that company’s card. Here’s a list airline miles cards to consider. Typical perks for airlines include free luggage check, lounge access and upgrades, while typical perks for hotels include complimentary breakfast and WiFi, free nights and upgrades.

See: The Best Ways To Use Your Miles

All of these will depend on what level of card you qualify for as well as how much you’re willing to pay in annual fees, so consider what the perks are worth to you personally.

That said, if we had to pick the best no fee co-branded loyalty program card, we’d go with the United TravelBank Card. You earn 1.5% on all purchases (2% when used to purchase United Flights). Moreover, the rewards come in the form of cash, not points or miles. While this eliminates the chances of finding redemption options that could result in high reward rates, we like the simplicity.

To be honest, there’s some debate among the Forbes Money Advisor staff on the best airlines and co-branded cards. That being said, the Southwest Rapid Rewards® Priority Credit Card should make the top of any list.

To start, you can earn 60,000 bonus points. To qualify, spend $2,000 on the card in the first three months. Unlike many other frequent flyer programs, how many points it takes to fly for free on Southwest varies based on the cash price of the ticket.

Beyond the bonus, you’ll earn 2x points on all Southwest purchases and 1x point on all other purchases. Southwest adds another 7,500 point bonus on each card anniversary. You’ll also get an annual $75 travel credit and four upgraded boardings per year.

There is a $149 annual fee.

Although it is important to look at annual fees, when it comes to choosing among travel rewards cards, the annual fee generally should not be a deciding factor. Oftentimes, an annual fee is offset by other benefits, such as travel vouchers or lounge access.

However, if you don’t want to pay an annual fee or can’t afford one, the Wells Fargo Propel American Express Card card is a good option. It currently offers a – point sign-up bonus (which is worth $300 in cash back), although it will offer a 50,000 point bonus from time to time. Cardholders also get three points per dollar on dining, travel, gas and select streaming services.

When we think of travel rewards programs, we often have in mind a consultant who racks up miles on weekly cross-country business flights. But the truth is, anyone can get into the reward points game.

“If you’re a backpacker or budget traveler, the number one thing you can do to save money on travel is to start collecting points and miles,” says Matt Kepnes, the budget travel guru behind Nomadic Matt. “Every time you spend money, you have a chance to collect travel points. Over time, those points add up to free flights, free hotel stays, and much more.”

The go-to card for budget travelers is Marriott Bonvoy Brilliant™ American Express® Card. Points earned can be transferred to more than 40 airlines. The card also offers a hefty sign-up bonus, but does come with a not-so-budget $450 annual fee.

For those looking for simplicity without sacrificing rewards, the Capital One® Venture® Rewards Credit Card is the answer. You’ll earn 2 miles for every $1 spent on all purchases. There are no categories to remember or spending caps.

Here it’s important to understand how Capital One miles work. While you earn 2 miles for every $1 spent, the value of the miles depends on how you use them. If you use them to pay for travel purchases you’ve made with the card, they are worth one cent, making it a 2% rewards card (remember, you earn 2 miles for every $1 spent). Use them for anything else, however, and they are worth half as much.

New cardmembers also can earn 50,000 bonus miles. To qualify, you must spend $3,000 in purchases within the first three months. If used for travel, the bonus is worth $500. You also receive a $100 credit for Global Entry or TSA Pre✓® fee.

There’s no annual fee the first year, but $95 a year thereafter.

The Capital One VentureOne Rewards Credit Card is a no annual fee version of the Venture card. Of course, the lack of a fee comes at a cost. You’ll earn 1.25 miles per $1 spent and the signup bonus is 20,000 miles once you spend $1,000 on purchases within 3 months. And there’s no credit for Global Entry or TSA Pre✓® fee.

What you do get, however, is 10x miles for every $1 spent at hotels.com/venture. It can take up to two billing cycles for the miles to show up in your account.

Note that the Venture card has the same offer. If hotel stays are your focus, however, VentureOne gives you a no annual fee way to rack up a lot of miles.

If you’re not committed to one airline or hotel group, the Chase Sapphire Reserve makes our list as the best travel card for frequent travelers. It offers a big sign-up bonus, select lounge privileges and an awesome points-per-dollar conversion.

You earn three points per dollar spent on travel and dining. You also earn a 50% bonus when you use the points for travel through Chase Ultimate Rewards. The result is a 4.5% rewards structure on all travel and dining purchases. The card also offers lost luggage insurance, travel insurance and one-to-one point transfers to its partner hotel and airline programs.

New card members can also earn Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. If used for travel through Chase Ultimate Rewards, these points are worth $750.

The card does charge a $450 annual fee. While steep, it is partially offset by a $300 annual travel credit and the $100 Global Entry waiver.