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Citi
Capital One
Amex
All 10 cards ranked by effective value per dollar.
| Card | Wayfair Brands Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Birch Lane MastercardCiti | 7% cash back | 7.0¢/$ | $0 | — | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.1¢/$ | $395 | $315 | visa |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,422 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 1.9¢/$ | $595 | $762.50 |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Capital One
Amex
All 10 cards ranked by effective value per dollar.
| Card | Wayfair Brands Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Birch Lane MastercardCiti | 7% cash back | 7.0¢/$ | $0 | — | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.1¢/$ | $395 | $315 | visa |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,422 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 1.9¢/$ | $595 | $762.50 |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Capital One
Amex
All 10 cards ranked by effective value per dollar.
| Card | Wayfair Brands Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Birch Lane MastercardCiti | 7% cash back | 7.0¢/$ | $0 | — | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.1¢/$ | $395 | $315 | visa |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,422 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 1.9¢/$ | $595 | $762.50 |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| mastercard |
| Navy Federal Flagship Rewards® CardNavy Federal | 2x Navy Federal Nrewards | 1.7¢/$ | $0 | $8 | visa |
| Synchrony Premier MastercardSynchrony | 2% cash back | 1.7¢/$ | $0 | — | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.0¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 1.7¢/$ | $95 | — | mastercard |
| Chase Sapphire Preferred CardChase | 1x Ultimate Rewards | 1.5¢/$ | $95 | $93 | visa |
| Bank of America Unlimited Cash Rewards Credit CardBank Of America | 2% cash back | 1.7¢/$ | $0 | $8 | visa |
| mastercard |
| Navy Federal Flagship Rewards® CardNavy Federal | 2x Navy Federal Nrewards | 1.7¢/$ | $0 | $8 | visa |
| Synchrony Premier MastercardSynchrony | 2% cash back | 1.7¢/$ | $0 | — | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.0¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 1.7¢/$ | $95 | — | mastercard |
| Chase Sapphire Preferred CardChase | 1x Ultimate Rewards | 1.5¢/$ | $95 | $93 | visa |
| Bank of America Unlimited Cash Rewards Credit CardBank Of America | 2% cash back | 1.7¢/$ | $0 | $8 | visa |
| mastercard |
| Navy Federal Flagship Rewards® CardNavy Federal | 2x Navy Federal Nrewards | 1.7¢/$ | $0 | $8 | visa |
| Synchrony Premier MastercardSynchrony | 2% cash back | 1.7¢/$ | $0 | — | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.0¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 1.7¢/$ | $95 | — | mastercard |
| Chase Sapphire Preferred CardChase | 1x Ultimate Rewards | 1.5¢/$ | $95 | $93 | visa |
| Bank of America Unlimited Cash Rewards Credit CardBank Of America | 2% cash back | 1.7¢/$ | $0 | $8 | visa |
