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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Dining and Grocery Stores and Travel, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Capital One
Cardless
Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 5.0¢/$ | $395 | — | visa |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 4.4¢/$ | $95 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 4.2¢/$ | $325 | — | amex |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.3¢/$ | $95 | — | mastercard |
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Amex
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | — | mastercard |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 3.6¢/$ | $95 | $9 | visa |
| Verizon Visa CardSynchrony | 4% cash back | 2.5¢/$ | $0 | — | visa |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.8¢/$ | $0 | — | mastercard |
| Rakuten American Express CardFirst Electronic Bank | 2% cash back | 2.4¢/$ | $0 | — | amex |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 3.0¢/$ | $595 | $597.50 | mastercard |
