Annual fee: First year is free, then $59 per year.
Purchase APR: Variable rate from 12.99% to 22.99%.
Why we like it: You'll have a lower annual fee with this card, plus flexible rewards: two "No Hassle Miles" for every dollar you spend, which can be used towards travel tickets and hotel rooms.
You can also use your miles to book through discount sites like Kayak, and you won't be limited to certain airlines — you can fly through any carrier.
The sign-up bonus is appealing, too: 40,000 miles (equivalent to $400 in travel) if you spend $3,000 in the first three months.
Apply here.