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.
162 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
Why this card
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
American Express
Why this card
Enroll each eligible Card Member through American Express using their existing or newly joined Marriott Bonvoy account. Remain an eligible Platinum Card Member; card must not be cancelled or past due and Marriott membership must remain in good standing. Generally allow 3 to 5 business days, sometimes longer. Confirm continued enrollment after card replacement.; Enroll through the Amex Benefits section or call the number on the card.; Provide the eligible Card Member Marriott Bonvoy number; enrollment is not established by this search.; Basic Platinum and Additional Platinum Card Members; not every additional-card type; While eligible or until American Express terminates the benefit; Using status benefits remains subject to Marriott qualifying-booking terms; Fine Hotels + Resorts may be combined under the reviewed Amex terms.. Your eligibility and completion of requirements are not verified.
Est. $1,317/yr in usable credits could cover the $895 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
Why this card
No annual fee
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
Synchrony
Why this card
No annual fee
Why this card
Activate by linking the primary cardmember IHG One Rewards account on Chase.com or Chase Mobile; join IHG first if necessary. Allow up to 3 weeks after linking. Benefits start after enrollment and are not retroactive. Keep the credit card account open and the IHG account in good standing; provide the IHG number when reserving or checking in.; Link the primary cardmember IHG One Rewards account on Chase.com or Chase Mobile to activate.; Primary personal Reserve cardmember only; activation is not established by this search.; Primary personal Chase Sapphire Reserve cardmember. Offer valid through 2027-12-31. Your eligibility and completion of requirements are not verified.
Est. $1,063/yr in usable credits could cover the $795 fee — actual value depends on use and eligibility
Capital One
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
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
Remain an IHG One Rewards Premier cardmember.; IHG One Rewards Premier credit cardmember; While you remain a Premier cardmember; allow 6 to 8 weeks after account opening.. Your eligibility and completion of requirements are not verified.
Est. $140/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
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
Chase
Why this card
No annual fee
Cardless
Why this card
No annual fee
Why this card
Spend $35,000 USD in qualifying purchases minus returns/refunds posted January 1 through December 31. The calculation resets January 1; purchases posting in the next year count in that year. Excludes balance transfers, cash advances, cash-like transactions, gambling, account-access checks, interest, unauthorized/fraudulent charges and fees. Account must remain open and not in default. Only one qualifying Boundless account per Marriott Bonvoy member, who must be the primary cardmember. Allow up to 8 weeks after qualifying.; Primary cardmember only; qualifying authorized-user purchases may count toward the threshold; Qualification resets each calendar year. Your eligibility and completion of requirements are not verified. Marriott Bonvoy Silver Elite status — Offered automatically to eligible cardholders. Card account must remain open and not in default. Only one Marriott Bonvoy credit card account per Marriott Bonvoy member qualifies; that member must be the primary cardmember. Allow up to 8 weeks after opening for the initial award.; Primary cardmember on the qualifying Boundless account linked to the Marriott Bonvoy membership; Each calendar year while eligible. Your eligibility and completion of requirements are not verified.
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
Discover
Why this card
No annual fee
Navy Federal
Why this card
No annual fee
Bank of America
Why this card
3% applies only if drug stores and pharmacies 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
