Here you can add a description about your company or product
© Copyright 2026 CardRewards. All Rights Reserved.
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
Amex
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
Amex
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
Amex
Citi
Chase
All 10 cards ranked by effective value per dollar.
| Card | All Other Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.8¢/$ | $895 | $1,272 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $824 | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 2.0¢/$ | $95 | — | mastercard |
| Capital One Quicksilver Cash Rewards Credit CardCapital One | 1.5% cash back | 1.5¢/$ | $0 | $29.97 | mastercard |
| U.S. Bank Altitude Go Visa Signature CardUsbank | 1x Usbank Altitude Rewards | 1.0¢/$ | $0 | $8 | visa |
| Bilt Palladium CardCardless | 1x Bilt Rewards | 2.0¢/$ | $495 | $300 | mastercard |
| Chase Freedom FlexChase | 1% cash back | 1.0¢/$ | $0 | $30 | mastercard |
| PayPal Cashback MastercardSynchrony | 1.5% cash back | 1.5¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Chase
All 10 cards ranked by effective value per dollar.
| Card | All Other Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.8¢/$ | $895 | $1,272 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $824 | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 2.0¢/$ | $95 | — | mastercard |
| Capital One Quicksilver Cash Rewards Credit CardCapital One | 1.5% cash back | 1.5¢/$ | $0 | $29.97 | mastercard |
| U.S. Bank Altitude Go Visa Signature CardUsbank | 1x Usbank Altitude Rewards | 1.0¢/$ | $0 | $8 | visa |
| Bilt Palladium CardCardless | 1x Bilt Rewards | 2.0¢/$ | $495 | $300 | mastercard |
| Chase Freedom FlexChase | 1% cash back | 1.0¢/$ | $0 | $30 | mastercard |
| PayPal Cashback MastercardSynchrony | 1.5% cash back | 1.5¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Chase
All 10 cards ranked by effective value per dollar.
| Card | All Other Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.8¢/$ | $895 | $1,272 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $824 | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 2.0¢/$ | $95 | — | mastercard |
| Capital One Quicksilver Cash Rewards Credit CardCapital One | 1.5% cash back | 1.5¢/$ | $0 | $29.97 | mastercard |
| U.S. Bank Altitude Go Visa Signature CardUsbank | 1x Usbank Altitude Rewards | 1.0¢/$ | $0 | $8 | visa |
| Bilt Palladium CardCardless | 1x Bilt Rewards | 2.0¢/$ | $495 | $300 | mastercard |
| Chase Freedom FlexChase | 1% cash back | 1.0¢/$ | $0 | $30 | mastercard |
| PayPal Cashback MastercardSynchrony | 1.5% cash back | 1.5¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →