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May I ask what airport and airline you primarily travel through or from? This will help determine the card with the lounge access and transfer partner you would utilize the most.
Points >>>>>> cash back
For people new to travel points, I highly recommend a generic travel card. Probably something like Chase Sapphire Preferred/Reserve (60k bonus) or the Cap One Venture X (75k bonus).
Unfortunately the VX just killed their 90k bonus via referral... but still a great card. I have quite a few cards but my main travel ones are CSR (+ CFU + CFF), VX (+ Savor One), and Bilt.
What’s your cash back card? Most if them can be converted to points once you up a premium card with the same bank