|Card Details and Application Link|
FM Mini Review: If you pay rent and haven't been earning rewards, this card is a no-brainer as you can pay your rent and earn rewards with no fee. A surprisingly good set of transfer partners makes the rewards for using this for rent worth getting the card for that main purpose alone (as long as you remember to use the card 5 times per month).
Card Type: Mastercard World Elite
Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ⚬ 2x Travel ⚬ 1x rent (up to 50,000 points per year) ⚬ 1x everywhere else
Noteworthy perks: Transfer points 1 to 1 to airline and hotel programs (including American Airlines, Hyatt, Aeroplan, and more) ⚬ Cell phone insurance ⚬ No fee to pay rent and earn rewards
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