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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
Cardless
Wells Fargo
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Blue CardCardless | 3x Bilt Rewards | 6.0¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | $1.60 | visa |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 4.0¢/$ | $0 | $71.93 | mastercard |
| Pottery Barn Key Rewards VisaCapital One | 4x points | 4.0¢/$ | $0 | $1.60 |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Cardless
Wells Fargo
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Blue CardCardless | 3x Bilt Rewards | 6.0¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | $1.60 | visa |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 4.0¢/$ | $0 | $71.93 | mastercard |
| Pottery Barn Key Rewards VisaCapital One | 4x points | 4.0¢/$ | $0 | $1.60 |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Cardless
Wells Fargo
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Blue CardCardless | 3x Bilt Rewards | 6.0¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | $1.60 | visa |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 4.0¢/$ | $0 | $71.93 | mastercard |
| Pottery Barn Key Rewards VisaCapital One | 4x points | 4.0¢/$ | $0 | $1.60 |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
Capital One
| visa |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | $1.60 | visa |
| U.S. Bank Altitude Go® Secured Visa® SignatureUsbank | 4x points | 4.0¢/$ | $0 | $1.60 | visa |
| Rakuten American Express CardFirst Electronic Bank | 2% cash back | 3.1¢/$ | $0 | — | amex |
| DoorDash Rewards Mastercard®Chase | 3x points | 3.0¢/$ | $0 | $102 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 5.0¢/$ | $0 | $18 | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
Capital One
| visa |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | $1.60 | visa |
| U.S. Bank Altitude Go® Secured Visa® SignatureUsbank | 4x points | 4.0¢/$ | $0 | $1.60 | visa |
| Rakuten American Express CardFirst Electronic Bank | 2% cash back | 3.1¢/$ | $0 | — | amex |
| DoorDash Rewards Mastercard®Chase | 3x points | 3.0¢/$ | $0 | $102 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 5.0¢/$ | $0 | $18 | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
Capital One
| visa |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | $1.60 | visa |
| U.S. Bank Altitude Go® Secured Visa® SignatureUsbank | 4x points | 4.0¢/$ | $0 | $1.60 | visa |
| Rakuten American Express CardFirst Electronic Bank | 2% cash back | 3.1¢/$ | $0 | — | amex |
| DoorDash Rewards Mastercard®Chase | 3x points | 3.0¢/$ | $0 | $102 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 5.0¢/$ | $0 | $18 | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
