CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
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
Synchrony
All 10 cards ranked by effective value per dollar.
| Card | All Other Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Verizon Visa CardSynchrony | 2% cash back | 2.6¢/$ | $0 | — | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.3¢/$ | $0 | — | mastercard |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.7¢/$ | $0 | — | amex |
| Citi Custom Cash CardCiti | 5% cash back | 1.5¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Ranked by effective cash back rate across everyday spending categories.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Synchrony
All 10 cards ranked by effective value per dollar.
| Card | All Other Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Verizon Visa CardSynchrony | 2% cash back | 2.6¢/$ | $0 | — | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.3¢/$ | $0 | — | mastercard |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.7¢/$ | $0 | — | amex |
| Citi Custom Cash CardCiti | 5% cash back | 1.5¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Ranked by effective cash back rate across everyday spending categories.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Synchrony
All 10 cards ranked by effective value per dollar.
| Card | All Other Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Verizon Visa CardSynchrony | 2% cash back | 2.6¢/$ | $0 | — | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.3¢/$ | $0 | — | mastercard |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.7¢/$ | $0 | — | amex |
| Citi Custom Cash CardCiti | 5% cash back | 1.5¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
First Electronic Bank
| bp rewards Visa®Fnbo |
| 1% cash back |
| 1.7¢/$ |
| $0 |
| — |
| visa |
| Capital One SavorOne Student Cash Rewards Credit CardCapital One | 1% cash back | 1.3¢/$ | $0 | — | mastercard |
| Sam's Club MastercardSynchrony | 1% cash back | 1.5¢/$ | $0 | — | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 1.4¢/$ | $0 | — | visa |
| Bank of America Unlimited Cash Rewards Credit CardBank Of America | 2% cash back | 1.4¢/$ | $0 | — | visa |
| TD Double Up Credit CardTd Bank | 2% cash back | 1.4¢/$ | $0 | — | visa |
First Electronic Bank
| bp rewards Visa®Fnbo |
| 1% cash back |
| 1.7¢/$ |
| $0 |
| — |
| visa |
| Capital One SavorOne Student Cash Rewards Credit CardCapital One | 1% cash back | 1.3¢/$ | $0 | — | mastercard |
| Sam's Club MastercardSynchrony | 1% cash back | 1.5¢/$ | $0 | — | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 1.4¢/$ | $0 | — | visa |
| Bank of America Unlimited Cash Rewards Credit CardBank Of America | 2% cash back | 1.4¢/$ | $0 | — | visa |
| TD Double Up Credit CardTd Bank | 2% cash back | 1.4¢/$ | $0 | — | visa |
First Electronic Bank
| bp rewards Visa®Fnbo |
| 1% cash back |
| 1.7¢/$ |
| $0 |
| — |
| visa |
| Capital One SavorOne Student Cash Rewards Credit CardCapital One | 1% cash back | 1.3¢/$ | $0 | — | mastercard |
| Sam's Club MastercardSynchrony | 1% cash back | 1.5¢/$ | $0 | — | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 1.4¢/$ | $0 | — | visa |
| Bank of America Unlimited Cash Rewards Credit CardBank Of America | 2% cash back | 1.4¢/$ | $0 | — | visa |
| TD Double Up Credit CardTd Bank | 2% cash back | 1.4¢/$ | $0 | — | visa |