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 with welcome offers in the score — see the note above the list for year-one vs ongoing value.
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, welcome offers (annualized into the score), statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Travel, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Capital One
Side-by-side view of the ranked picks.
| Card | Travel Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Credit CardCapital One | 10x Venture Miles | 8.9¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 10x ThankYou Points | 6.2¢/$ | $95 | — | mastercard |
| Chase Sapphire ReserveChase | 4x Ultimate Rewards | 4.5¢/$ | $795 | $18 | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
Citi
Chase
| Capital One VentureOne Rewards Credit CardCapital One | 5x Venture Miles | 4.2¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 5x Wells Fargo Rewards | 3.2¢/$ | $95 | — | visa |
| The Platinum Card from American ExpressAmex | 5x Membership Rewards | 3.8¢/$ | $895 | $256 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $597.50 | mastercard |
| Citi / AAdvantage Executive World Elite MastercardCiti | 12x AAdvantage | 3.2¢/$ | $695 | — | mastercard |
| TD Double Up Credit CardTd Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
