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Applying for a new credit card now can help you earn points, miles, or cash back you can use to offset everyday expenses or for taking a vacation.

These cards offer some of the highest sign-up bonuses, whether you prefer earning flexible rewards, airline miles, or hotel points — but many are for a limited time.

By opening and using a no annual fee business card, you can earn unlimited cash-back or travel rewards and get substantial built-in benefits.

It's a great time to increase your frequent flyer account balances, or boost your stash of flexible rewards with cards from Amex, Citi, and Barclays.

These top small-business credit cards can earn you cash back, airline miles, hotel points, or flexible rewards, and many have no annual fee.