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.
Cards offering Priority Pass, Centurion Lounge, and other airport lounge programs.
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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Citi
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,397 | amex |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $300 | mastercard |
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Open in full search with filters →Capital One
Amex
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $960 | visa |
| Atmos Rewards Summit Visa Infinite Credit CardAtmos Financial | 1x Atmos Rewards | 1.1¢/$ | $395 | $15 | visa |
| PenFed Pathfinder Rewards Visa Signature CardPenfed | 1.5x Penfed Honors Advantage | 1.3¢/$ | $95 | $50 | visa |
| TAP Miles&Go American Express®Cardless | 1x TAP Miles&Go | 1.0¢/$ | $79 | — | amex |
| MGM Rewards Iconic World Elite Mastercard®Fnbo | 1x MGM Rewards | 1.0¢/$ | $249 | $150 | mastercard |
| Atmos Rewards Ascent Visa Signature CardBank Of America | 1x Atmos Rewards | 1.1¢/$ | $95 | — | visa |
