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 effective cash back rate across everyday spending categories.
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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Grocery Stores and Dining and Gas Stations. Order can differ from that column because ranking adds the adjustments above.
Elan Financial
First Electronic Bank
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.9¢/$ | $0 | — | amex |
| TD Double Up Credit CardTd Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| U.S. Bank Smartly Visa Signature CardUsbank |
| 2% cash back |
| 2.0¢/$ |
| $0 |
| — |
| visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| SoFi Credit CardSofi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Synchrony Premier MastercardSynchrony | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| bp rewards Visa®Fnbo | 1% cash back | 1.7¢/$ | $0 | — | visa |
| Chase Freedom UnlimitedChase | 1.5% cash back | 1.6¢/$ | $0 | — | visa |
