Compare card earning rates, fees and benefit qualifications.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
32 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not business?
American Express
Why this card
Annual fee $375. Other listed credits: $150 Squarespace Annual Credit (up to $150/yr); $155 Walmart+ Credit (up to $12.95/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $150,000/annual, then base rate
Bank of America
Why this card
3% applies only if computer services is your chosen category (gas stations and EV charging is the default; other choices: office supply stores, travel, TV/telecom & wireless, computer services, business consulting services); the $50,000 annual limit is combined with dining 2%.
No annual fee
Bonus rate on first $50,000/annual, then base rate
American Express
Why this card
Annual fee $895. Other listed credits: Adobe Credit (up to $250/yr; requires $600 eligible spend within 12 months); Airline Fee Credit (up to $200/yr); CLEAR Plus Credit (up to $219/yr); Dell Technologies Credit (up to $1,150/yr; requires $5,000 eligible spend within 12 months); Global Entry / TSA PreCheck Credit (up to $120); Hilton Properties Credit (up to $200/yr); Fine Hotels + Resorts and Hotel Collection Credit (up to $600/yr); Indeed Credit (up to $360/yr); Wireless Telephone Credit (up to $120/yr); Amex Travel Online Flight Statement Credit (up to $1,200/yr; requires $250,000 eligible spend within 12 months); American Express One AP Statement Credit (up to $2,400/yr; requires $250,000 eligible spend within 12 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $2,000,000/annual, then base rate
American Express
Why this card
No annual fee
Bonus rate on first $50,000/annual, then base rate
Capital One
Why this card
Annual fee $395. Other listed credits: Global Entry & TSA PreCheck® (up to $120/4yr); Annual Travel Credit (up to $300/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
American Express
Why this card
No annual fee
Bonus rate on first $50,000/annual, then base rate
Capital One
Why this card
Why this card
Capital One
Why this card
Annual fee $150. Other listed credits: Annual Fee Refund (up to $150/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
American Express
Why this card
Annual fee $195. Other listed credits: $240 Hilton Credit (up to $240/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $100,000/annual, then base rate
Why this card
Annual fee $200. Other listed credits: $100 Airline Statement Credit (up to $100/yr; requires $250 eligible spend within 12 months); Up to $100 Annual IHG Food and Beverage Rewards (up to $25/qtr); Global Entry Credit (up to $120/4yr); Up to $120 in Instacart Credits (up to $10/mo); DoorDash (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Capital One
Why this card
No annual fee
Why this card
No annual fee
American Express
Why this card
Bank of America
Why this card
Why this card
No annual fee
Why this card
No annual fee
Why this card
No annual fee
Why this card
Barclays
Why this card
Annual fee $99. Other listed credits: $100 statement credit (up to $100). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
American Express
Why this card
Annual fee $150. Other listed credits: 20% Back on Delta In-Flight Purchases (up to $20/use); $120 Rideshare Credit (up to $10/mo); $150 Delta Stays Credit (up to $150/yr); $200 Delta Flight Credit (up to $200; requires $10,000 eligible spend within 12 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Chase
Why this card
Annual fee $150. Other listed credits: Up to $25 in Credits on United FareLock Purchases (up to $25/yr); Up to $100 in Credits on Rideshare Purchases Annually (up to $8/mo); $125 United travel credit (up to $125); Up to $100 in credits on JSX purchases annually (up to $100/yr); Up to $100 in United® Hotels credits (up to $100); Up to $120 in Instacart credits (up to $10/mo); Up to $50 in United travel credits on Avis or Budget car purchases (up to $50). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Annual fee $795. Other listed credits: $100 Curated Gift Card Credit (up to $100/yr); $120 Lyft Credit (up to $10/mo); $200 Google Workspace Credit (up to $200/yr); Annual Travel Credit (up to $300/yr); $400 ZipRecruiter Credit (up to $400/yr); $500 credit for stays with The Edit (up to $500); Complimentary DashPass Membership (up to $120/yr); Global Entry or TSA PreCheck Credit (up to $120/4yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Annual fee $199. Other listed credits: Up to $100 in Hyatt statement credits (up to $100; requires $50 eligible spend within 12 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Synchrony
Why this card
No annual fee
Why this card
Annual fee $695. Other listed credits: Up to $100 in United travel credits on Avis or Budget car purchases (up to $50); Up to $150 in credits on rideshare purchases (up to $150/yr); Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers (up to $200); Up to $200 in credits on JSX purchases (up to $200); Up to $240 in Instacart Credits (up to $240/yr); Up to $50 in credits on United FareLock purchases (up to $50). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
No annual fee
Why this card
Annual fee $299. Other listed credits: Global Entry, TSA PreCheck® or NEXUS fee credit up to $120 every 4 years (up to $120/4yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
For this search, our top pick is the Amex Business Gold, which earns 4x Membership Rewards on software & cloud, worth about 6.0¢ per dollar at our 1.5¢ valuation, up to $150,000 a year (then 1x). It has a $375 annual fee. If you'd rather not pay a fee, the Business Advantage Customized Cash Rewards earns 3% cash back on software & cloud, 3.0¢ per dollar (3% applies only if computer services is your chosen category (gas stations and EV charging is the default; other choices: office supply stores, travel, TV/telecom & wireless, computer services, business consulting services); the $50,000 annual limit is combined with dining 2%.), up to $50,000 a year (then 1%).
