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.
Top Mastercard cards ranked by earn rates and World Elite benefits.
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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Dining and Grocery Stores and Travel, after spend caps. Order can differ from that column because ranking adds the adjustments above.
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Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 4.4¢/$ | $95 | — | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.3¢/$ | $95 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | — | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.8¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 3.0¢/$ | $595 | $597.50 | mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 3.0¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.5¢/$ | $99 | — | mastercard |
| Aeroplan® CardChase | 3x Aeroplan | 2.0¢/$ | $195 | $15 | mastercard |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 2.2¢/$ | $95 | — | mastercard |
| Capital One SavorOne Student Cash Rewards Credit CardCapital One | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
