Compare card earning rates, fees and benefit qualifications.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
184 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Cardless
Why this card
Est. $300/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Capital One
Why this card
Est. $15/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Capital One
Why this card
Est. $315/yr in usable credits offset part of the $395 fee — actual value depends on use and eligibility
American Express
Why this card
Est. $1,317/yr in usable credits could cover the $895 fee — actual value depends on use and eligibility
Why this card
Est. $1,063/yr in usable credits could cover the $795 fee — actual value depends on use and eligibility
Why this card
Est. $140/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Why this card
Bank Smartly Savings account plus a qualifying balance in U.S. Bank Smartly Checking and/or Safe Debit account(s) Total 2.5% with qualifying balance of $10,000-$49,999.99 Total 3% with qualifying balance of $50,000-$99,999.99 Total 4% with qualifying balance of $100,000 or more Bonus applies to first $10,000 in eligible Net Purchases each billing cycle; spend above the cap earns the 2% base
No annual fee
Wells Fargo
Why this card
No annual fee
Why this card
Est. $465/yr in usable credits offset part of the $595 fee — actual value depends on use and eligibility
Bank of America
Why this card
Est. $150/yr in usable credits could cover the $95 fee — actual value depends on use and eligibility
Bank of America
Why this card
No annual fee
Cardless
Why this card
No annual fee
Cardless
Why this card
Est. $20/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Discover
Why this card
No annual fee
Why this card
Est. $65/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Capital One
Why this card
No annual fee
Why this card
Est. $50/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why this card
Est. $50/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
First Electronic Bank
Why this card
Not assumed: 100 Bilt Rewards points per $1 of cash back (about 2.0¢ per dollar). Needs Bilt Silver, Gold or Platinum status on the payout date. Not assumed: 100 Amex Membership Rewards points per $1 of cash back (about 1.5¢ per dollar). Needs another American Express card enrolled in US Membership Rewards (not the Rakuten card or a corporate card), not cancelled or past due.
No annual fee
American Express
Why this card
No annual fee
