Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Ranked by real annual value — earn rates, caps, benefits, and fees compared.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Online Shopping and Grocery Stores, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Cardless
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $200 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 2.5¢/$ | $95 | $81.20 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.2¢/$ | $0 | $150 | mastercard |
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Chase
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.1¢/$ | $95 | $20 | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 2.4¢/$ | $325 | $212 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.9¢/$ | $0 | — | amex |
| One Key+ CardWells Fargo | 2% cash back | 2.2¢/$ | $99 | — | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
