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Citi
Amex
Barclays
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 3.8¢/$ | $0 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 4.0¢/$ | $325 | — | amex |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 3.4¢/$ | $75 | $0.48 | visa |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.3¢/$ | $95 | $3 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Amex
Barclays
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 3.8¢/$ | $0 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 4.0¢/$ | $325 | — | amex |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 3.4¢/$ | $75 | $0.48 | visa |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.3¢/$ | $95 | $3 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Amex
Barclays
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 3.8¢/$ | $0 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 4.0¢/$ | $325 | — | amex |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 3.4¢/$ | $75 | $0.48 | visa |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.3¢/$ | $95 | $3 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.1¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.4¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 3.0¢/$ | $0 | $0.48 | visa |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 3.0¢/$ | $95 | — | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.8¢/$ | $0 | — | visa |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 2.1¢/$ | $0 | $0.48 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.1¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.4¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 3.0¢/$ | $0 | $0.48 | visa |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 3.0¢/$ | $95 | — | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.8¢/$ | $0 | — | visa |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 2.1¢/$ | $0 | $0.48 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.1¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.4¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 3.0¢/$ | $0 | $0.48 | visa |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 3.0¢/$ | $95 | — | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.8¢/$ | $0 | — | visa |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 2.1¢/$ | $0 | $0.48 | visa |
