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.

This no-annual-fee card is ideal for renters looking to earn back some value on a major monthly expense. To snag significant rewards, though, you must commit to using the card for more than just rent.

Ramp says that as a business, there are several scenarios when you might prefer to use a virtual credit card, and these ...