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Citi
Amex
Synchrony
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.0¢/$ | $95 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 3.6¢/$ | $325 | — | amex |
| Verizon Visa CardSynchrony | 4% cash back | 2.8¢/$ | $0 | $3.02 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 3.2¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Amex
Synchrony
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.0¢/$ | $95 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 3.6¢/$ | $325 | — | amex |
| Verizon Visa CardSynchrony | 4% cash back | 2.8¢/$ | $0 | $3.02 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 3.2¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Amex
Synchrony
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.0¢/$ | $95 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 3.6¢/$ | $325 | — | amex |
| Verizon Visa CardSynchrony | 4% cash back | 2.8¢/$ | $0 | $3.02 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 3.2¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| Wyndham Rewards Earner Plus CardBarclays |
| 6x Wyndham Rewards |
| 2.8¢/$ |
| $75 |
| $3.02 |
| visa |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 2.9¢/$ | $95 | $9.30 | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 2.7¢/$ | $95 | $3.02 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.9¢/$ | $0 | — | mastercard |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 2.6¢/$ | $95 | — | mastercard |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 1.8¢/$ | $0 | $3.02 | visa |
| Wyndham Rewards Earner Plus CardBarclays |
| 6x Wyndham Rewards |
| 2.8¢/$ |
| $75 |
| $3.02 |
| visa |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 2.9¢/$ | $95 | $9.30 | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 2.7¢/$ | $95 | $3.02 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.9¢/$ | $0 | — | mastercard |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 2.6¢/$ | $95 | — | mastercard |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 1.8¢/$ | $0 | $3.02 | visa |
| Wyndham Rewards Earner Plus CardBarclays |
| 6x Wyndham Rewards |
| 2.8¢/$ |
| $75 |
| $3.02 |
| visa |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 2.9¢/$ | $95 | $9.30 | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 2.7¢/$ | $95 | $3.02 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.9¢/$ | $0 | — | mastercard |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 2.6¢/$ | $95 | — | mastercard |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 1.8¢/$ | $0 | $3.02 | visa |
