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 October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
172 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not flights?
American Express
Why this card
Annual fee $895. Other listed credits: Digital Entertainment Credit (up to $300/yr); Equinox Credit (up to $300/yr); Lululemon Credit (up to $300/yr); Oura Ring Credit (up to $200/yr); Resy Restaurant Credit (up to $400/yr); Walmart+ Membership Credit (up to $155/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Amex has limited international acceptance — carry a Visa/Mastercard backup
Bonus rate on first $500,000/annual, then base rate
Why this card
Annual fee $795. Other listed credits: Exclusive Tables Dining Credit (up to $300/yr); StubHub & viagogo Credit (up to $300/yr); Apple TV and Apple Music Subscriptions (up to $27/mo); DoorDash DashPass & Credits (up to $35/mo); Peloton Credits & Bonus Points (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.
Why this card
Capital One
Why this card
Chase
Why this card
No annual fee
Why this card
Why this card
No annual fee
BMO
Why this card
Annual fee $150. Other listed credits: Get the Trusted Traveler fee credit (up to $100/4yr). 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 $3,000/quarterly, then base rate
Cardless
Why this card
Wells Fargo
Why this card
No annual fee
U.S. Bank
Why this card
No annual fee. Other listed credits: $20 annual statement credit (up to $20/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
No annual fee
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Why this card
Why this card
Capital One
Why this card
Cardless
Why this card
Annual fee $495. Other listed credits: $200 of Bilt Cash (up to $200/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
Barclays
Why this card
Annual fee $95. Other listed credits: $50 Meal Delivery Credit (up to $25/6mo). 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
Annual fee $325. Other listed credits: $120 Dining Credit (up to $10/mo); $84 Dunkin' Credit (up to $7/mo); $100 Resy Credit (up to $50/6mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Amex has limited international acceptance — carry a Visa/Mastercard backup
Bank of America
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Capital One
Why this card
No annual fee
Why this card
No annual fee
Why this card
No annual fee
FNBO
Why this card
No annual fee
Why this card
No annual fee
Why this card
Annual fee $95. Other listed credits: $100 annual credit (up to $100/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
