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.

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.

A look at the best credit cards from The Points Guy founder Brian Kelly to help you maximize your travel rewards.