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.
184 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not shopping?
Capital One
Elan Financial
Why this card
No annual fee
Capital One
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
Bank of America
Why this card
No annual fee
Cardless
Why this card
No annual fee
American Express
Bank of America
Why this card
No annual fee
Discover
Why this card
No annual fee
Navy Federal
Why this card
No annual fee
Bank of America
Capital One
Why this card
No annual fee
First Electronic Bank
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Why this card
No annual fee
