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.
180 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Cardless
Why this card
3X applies only if grocery replaces the default dining as the elected 3X category (switch within 30 days of opening or each January); grocery 3X is limited to $25,000 a year.
Est. $20/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Bonus rate on first $25,000/annual, then base rate
American Express
Why this card
Est. $212/yr in usable credits offset part of the $325 fee — actual value depends on use and eligibility
Bonus rate on first $25,000/annual, then base rate
Cardless
Why this card
Est. $300/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Why this card
No annual fee
American Express
Why this card
Est. $24/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Bonus rate on first $6,000/annual, then base rate
Why this card
Est. $465/yr in usable credits offset part of the $595 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. $50/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Capital One
Why this card
Across your $6,000 mix ($3,000 Sams Club at 4%, $3,000 Wyndham Vacation Club at 1%): $150/yr in Williams Sonoma family of brands certificate value on $6,000 of eligible purchases. Not cash: reward certificates require future qualifying Williams Sonoma family of brands purchases before they expire.
No annual fee
Capital One
Why this card
Est. $15/yr in usable credits offset part of the $95 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
SoFi
Why this card
Excludes Walmart, Target, Costco, Sams Club, Instacart, Wholesale Clubs, Grocery Delivery. Other superstores and warehouse clubs, convenience stores, grocery delivery services and meal-kit delivery services are also not grocery stores. Available only to individual SoFi Checking and Savings accountholders, subject to application, approval and funding; the balance must be paid in full each month and SoFi Member Rewards terms apply.
No annual fee
Synchrony
Why this card
No annual fee
Capital One
Why this card
Est. $315/yr in usable credits offset part of the $395 fee — actual value depends on use and eligibility
Wells Fargo
Why this card
American Express
Why this card
Est. $1,317/yr in usable credits could cover the $895 fee — actual value depends on use and eligibility
Elan Financial
Why this card
No annual fee
Synchrony
Why this card
No annual fee
Barclays
Why this card
No annual fee
Wells Fargo
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
No annual fee
Navy Federal
Why this card
No annual fee
Synchrony
Why this card
No annual fee
TD Bank
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
Wells Fargo
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
Why this card
Bonus rate on first $2,000/quarterly, then base rate
Why this card
Bonus rate on first $6,000/annual, then base rate
