Credit Cards with Base Earning Rate (2026)
Base Earning Rate perks across top credit cards, ranked by estimated value.
Top 3 Picks
All 80 Cards Compared
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | Bank of America® Customized Cash Rewards Secured | 1% Cash Back Everything Else | $50/yr | No fee |
| 2 | The AARP® Essential Rewards Mastercard® | Unlimited Cash Back Rewards with No Expiration | Included | No fee |
| 3 | Air France KLM Visa Signature® Credit Card | 1.5x Miles on All Other Purchases | $195/yr | $89/yr |
| 4 | Prime Visa | 1% on all purchases | Included | No fee |
| 5 | Amazon Visa | 1% on all purchases | Included | No fee |
| 6 | Blue Cash Everyday Card from American Express | 1% on all other | Included | No fee |
| 7 | American Express Business Gold Card | 1x on all other | Included | $375/yr |
| 8 | Business Green Rewards | 1X Membership Rewards Points on All Purchases | $30/yr | $95/yr |
| 9 | The Business Platinum Card from American Express | 1x on all other | Included | $895/yr |
| 10 | The Platinum Card from American Express | 1X on All Other Purchases | Included | $895/yr |
| 11 | ANA CARD U.S.A. Plus | 1 Mile per $1 on All Purchases | $200/yr | $85/yr |
| 12 | Banana Republic Encore Mastercard® | 1X Points on All Purchases | $50/yr | No fee |
| 13 | Bass Pro Shops® CLUB Card | 1X CLUB Points on All Other Purchases | $100/yr | No fee |
| 14 | Bilt Blue Card | 1X Points on Everyday Spend | Included | No fee |
| 15 | Bilt Obsidian Card | 1X Points on All Other Purchases | Included | $95/yr |
| 16 | Bilt Palladium Card | 2X Points on All Purchases | Included | $495/yr |
| 17 | BJ's One™ Mastercard® | 1.5% Back Everywhere Else | $180/yr | No fee |
| 18 | BJ's One+™ Mastercard® | 2% Back Everywhere Else | $200/yr | No fee |
| 19 | Bloomingdale's American Express® Card | 3x Points Everywhere Else | $30/yr | No fee |
| 20 | BMO Platinum Rewards Mastercard® | 1x Points on All Other Purchases | $50/yr | No fee |
| 21 | Bank of America® Customized Cash Rewards for Students | 1% Cash Back on All Other Purchases | $20/yr | No fee |
| 22 | Bank of America Premium Rewards Credit Card | 1.5X Points on All Other Purchases | Included | $95/yr |
| 23 | Bank of America Customized Cash Rewards Credit Card | 1% Cash Back on All Other Purchases | Included | No fee |
| 24 | bp rewards Visa® | 1x Points on All Other Purchases | $274/yr | No fee |
| 25 | Capital One Savor Cash Rewards Credit Card | 1% on all purchases | Included | No fee |
| 26 | Capital Vacations® World Mastercard® | 1X Rewards on All Other Purchases | $10/yr | No fee |
| 27 | Chase Freedom Flex | 1% on All Other Purchases | Included | No fee |
| 28 | Chase Freedom Unlimited | 1.5% Cash Back on Everything | Included | No fee |
| 29 | Chase Freedom Rise® Credit Card | 1.5% Cash Back on All Purchases | $150/yr | No fee |
| 30 | World of Hyatt Credit Card | 1X on All Other Purchases | Included | $95/yr |
| 31 | Ink Business Preferred® Credit Card | 1x on all purchases | Included | $95/yr |
| 32 | Chase Sapphire Reserve | 1x on all purchases | Included | $795/yr |
| 33 | Choice Privileges Mastercard | 1x on all purchases | Included | No fee |
| 34 | Choice Privileges Select Mastercard | 1x on all purchases | Included | $95/yr |
| 35 | Citi / AAdvantage Executive World Legend Mastercard | 1x on all purchases | Included | $695/yr |
| 36 | Citi / AAdvantage Platinum Select World Elite Mastercard | 1x on all purchases | Included | $99/yr |
| 37 | Citi Double Cash Card | 2% Cash Back on All Purchases | Included | No fee |
| 38 | Citi Strata Premier Card | 1x on all purchases | Included | $95/yr |
| 39 | Chase Sapphire Preferred Card | 1X on All Other Purchases | Included | $95/yr |
| 40 | Delta SkyMiles Blue American Express Card | 1x on all purchases | Included | No fee |
| 41 | Delta SkyMiles Gold American Express Card | 1x on all purchases | Included | $150/yr |
| 42 | Delta SkyMiles Gold Business American Express Card | 1x on all purchases | Included | $150/yr |
| 43 | Delta SkyMiles Platinum American Express Card | 1x on all purchases | Included | $350/yr |
| 44 | Delta SkyMiles Platinum Business American Express Card | 1x on all purchases | Included | $350/yr |
| 45 | Discover it Balance Transfer | 1% on all other purchases | Included | No fee |
| 46 | Discover it Cash Back | 1% Cash Back on All Purchases | Included | No fee |
| 47 | Discover it® Chrome | 1% on all other purchases | Included | No fee |
| 48 | Discover it® Miles | 1.5x miles on every dollar of every purchase | Included | No fee |
| 49 | Fidelity Rewards Visa Signature Card | 2% on all purchases | Included | No fee |
| 50 | FRONTIER Airlines World Mastercard | 1x on all purchases | Included | $99/yr |
| 51 | Gemini Credit Card | 1% on all purchases | Included | No fee |
| 52 | The Hilton Honors American Express Business Card | 5x on other (first $100K per year) | Included | $195/yr |
| 53 | Hilton Honors American Express Surpass Card | 3x on other | Included | $150/yr |
| 54 | IHG One Rewards Premier Credit Card | 3x on other | Included | $150/yr |
| 55 | IHG One Rewards Credit Card | 2x on other | Included | No fee |
| 56 | JetBlue Business Card | 1x on all purchases | Included | $99/yr |
| 57 | JetBlue Card | 1x on all purchases | Included | No fee |
| 58 | JetBlue Plus Card | 1x on all purchases | Included | $99/yr |
| 59 | Marriott Bonvoy Bevy American Express Card | 2x on other | Included | $250/yr |
| 60 | Marriott Bonvoy Bold Credit Card | 1x on other | Included | No fee |
| 61 | Marriott Bonvoy Brilliant American Express Card | 2x on other | Included | $650/yr |
| 62 | Marriott Bonvoy Business American Express Card | 2x on other | Included | $125/yr |
| 63 | Marriott Bonvoy Boundless Credit Card | 2X on All Other Purchases | Included | $95/yr |
| 64 | PenFed Pathfinder Rewards Visa Signature Card | 1.5x on all purchases | Included | $95/yr |
| 65 | SavorOne Rewards from Capital One | 1% Cash Back on All Other Purchases | Included | $39/yr |
| 66 | Southwest Rapid Rewards Plus Credit Card | 1x on all purchases | Included | $99/yr |
| 67 | Southwest Rapid Rewards Premier Credit Card | 1x on all purchases | Included | $149/yr |
| 68 | Southwest Rapid Rewards Priority Credit Card | 1x on all purchases | Included | $229/yr |
| 69 | United Club Card | 1x on all purchases | Included | $695/yr |
| 70 | United Explorer Card | 1x on all purchases | Included | $150/yr |
| 71 | United Gateway Card | 1x on all purchases | Included | No fee |
| 72 | United Quest Card | 1x on all purchases | Included | $350/yr |
| 73 | Capital One Venture Rewards Credit Card | 2X Miles on Every Purchase | Included | $95/yr |
| 74 | Capital One Venture X Rewards Credit Card | Unlimited 2X Miles on Everything | Included | $395/yr |
| 75 | Wells Fargo Autograph Journey Visa Credit Card | 1x on all purchases | Included | $95/yr |
| 76 | Wells Fargo Active Cash Card | 2% Cash Back on Everything | Included | No fee |
| 77 | Wells Fargo Autograph Visa Credit Card | 1X on All Other Purchases | Included | No fee |
| 78 | Wyndham Rewards Earner Card | 1x on other | Included | No fee |
| 79 | Wyndham Rewards Earner Business Card | 1x on other | Included | $149/yr |
| 80 | Wyndham Rewards Earner Plus Card | 1x on other | Included | $95/yr |