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This is a best-in-class credit card for those looking to build credit while earning cash-back rewards. You can increase your odds of approval by pairing the card with a Chase checking account.

Business Insider's personal finance team compared CIT Bank with the best banks and found it to be a standard offering. CIT Bank is a good option for people looking for a high-yield savings account.

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.