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.
165 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not online shopping?
Cardless
Why this card
$100/yr value — $200 of Bilt Cash
Est. $200/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
American Express
Why this card
No annual fee
Your spend ($6,000) is 100% of the $6,000 annual cap
Amex has limited international acceptance — carry a Visa/Mastercard backup
Bonus rate on first $6,000/annual, then base rate
Capital One
Why this card
Est. $15/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
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
$150/yr value — Lululemon Credit
$78/yr value — Walmart+ Membership Credit
Est. $1,089.50/yr in usable credits could cover the $895 fee — actual value depends on use and eligibility
Amex has limited international acceptance — carry a Visa/Mastercard backup
Elan Financial
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
3% applies only if online shopping is your chosen 3% category (one choice among gas/EV charging, online shopping including cable/internet/phone/streaming, dining, travel, drug stores, or home improvement/furnishings); the $2,500 quarterly limit is shared with grocery and wholesale-club 2%.
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
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
No annual fee
Wells Fargo
Why this card
No annual fee
Synchrony
Why this card
No annual fee
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
Why this card
Est. $140/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
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
Bank of America
Why this card
Est. $150/yr in usable credits could cover the $95 fee — actual value depends on use and eligibility
Why this card
Est. $65/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Navy Federal
Why this card
No annual fee
American Express
Why this card
Est. $100/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Amex has limited international acceptance — carry a Visa/Mastercard backup
Why this card
No annual fee
