There are credit cards which give access to airport lounge only two to four times in a year, whereas some cards give access ...

The card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.

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.