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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Dining and Grocery Stores and Travel and Gas Stations, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Capital One
Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 4.7¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.4¢/$ | $95 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | — | mastercard |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 4.0¢/$ | $95 | $7.20 | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Cardless
| American Express Gold CardAmex | 4x Membership Rewards | 3.6¢/$ | $325 | — | amex |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 4.0¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 2.8¢/$ | $0 | — | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 3.3¢/$ | $0 | — | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.7¢/$ | $0 | — | mastercard |
| PenFed Platinum Rewards Visa Signature® CardPenfed | 5x points | 2.6¢/$ | $0 | — | visa |
