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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
160 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Why this card
No annual fee
Your spend ($6,000) is 150% of the $4,000 annual cap
Bonus rate on first $4,000/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
$150/yr value — Up to $200 Annual Splurge Credit℠
$100/yr value — Up to $200 Annual Blacklane® Credit
Est. $165/yr in usable credits offset part of the $595 fee — actual value depends on use and eligibility
Why this card
Smartly Earning Bonus requires a U.S. 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
$25/yr value — Flexible redemption
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
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
Est. $1,367/yr in usable credits could cover the $895 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
Bank of America
Why this card
$60/yr value — Airport Security Statement Credits
Est. $100/yr in usable credits could cover the $95 fee — actual value depends on use and eligibility
Elan Financial
Why this card
No annual fee
Why this card
No annual fee
Synchrony
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Wells Fargo
Why this card
No annual fee
Cardless
Why this card
$20/yr value — 10% Intro APR on Purchases
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
$40/yr value — 0% Intro APR for 15 Months
$30/yr value — Balance Transfer Capability with Low Intro Fee
No annual fee
Why this card
$5/yr value — Contactless Payment
No annual fee
Cardless
Why this card
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
Capital One
Why this card
$5/yr value — $5 off per line per month
No annual fee
Why this card
$10/yr value — ThankYou Points Transfer Partners
Est. $50/yr in usable credits offset part of 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
Bank of America
Why this card
$150/yr value — Intro APR Promotion
No annual fee
Bank of America
Why this card
$30/yr value — 15-Month Intro 0% APR
No annual fee
American Express
Why this card
Why this card
$60/yr value — $100 annual credit
Capital One
Why this card
No annual fee
Why this card
No annual fee
Why this card
No annual fee
Capital One
Why this card
No annual fee
For general protection, our top pick is the State Farm Premier Cash Rewards Visa Signature, which earns 3% cash back, 3.0¢ per dollar, up to $4,000 a year (then 1%). It has no annual fee.
