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Starwood Preferred Guest American Express

Issuer: American Express

Annual fee: Free the first year, $30 thereafter

Airline partners: More than 30

Reward: $1 = 1 point

The gold standard for rewards credit cards, the Starwood card gives you the most flexibility for business and leisure travel. Not only can you get a room in a Starwood hotel for as few as 2,000 points (no blackout dates), but you can also transfer those points to any of more than 30 airlines. And best of all, for every 20,000 points transferred, you get a 5,000-point bonus.