no-fee card offers a bonus of $100 after spending $500 on purchases within the first 90 days, and has other perks
4 percent back on restaurants, take-out and bar purchases;
3 percent back on airfare, hotels and Airbnb or other short-stay rentals;
2 percent back on online purchases; and
1 percent back on everything else.
$50 credit for online subscriptions (after spending $5,000 on the card per-year),
phone insurance of up to $600 if someone uses the card to pay their monthly phone bill;