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 13, 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 telecom?
Cardless
Why this card
$200/yr value — $400 Bilt Travel Hotel credit
Est. $100/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Why this card
5% applies only if cell phone providers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
No annual fee
Your spend ($6,000) is 75% of the $8,000 annual cap
Bonus rate on first $2,000/quarterly, then base rate
Wells Fargo
Why this card
$30/yr value — Global Entry or TSA PreCheck Credit
Wells Fargo
Why this card
No annual fee
Capital One
Why this card
$30/yr value — Global Entry or TSA PreCheck Credit
Capital One
Why this card
$240/yr value — $300 Annual Capital One Travel Credit
$30/yr value — Global Entry or TSA PreCheck Credit
Elan Financial
Why this card
$25/yr value — Global Entry or TSA PreCheck application fee credit
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
$150/yr value — Up to $300 Annual Hotel Benefit
$18/yr value — Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
Why this card
$50/yr value — $100 Annual Hotel Credit
$25/yr value — Global Entry, TSA PreCheck or NEXUS Credit
Why this card
$20/yr value — Lyft Credits
No annual fee
Why this card
$60/yr value — $100 Airline Statement Credit
$50/yr value — Up to $100 Annual IHG Food and Beverage Rewards
$35/yr value — Up to $50 United TravelBank Cash Each Year
$30/yr value — Global Entry, TSA PreCheck or NEXUS Statement Credit
Why this card
Wells Fargo
Why this card
Bank of America
Why this card
3% applies only if online shopping (phone plans) 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
American Express
Why this card
$60/yr value — $120 Uber Cash
Est. $152/yr in usable credits offset part of the $325 fee — actual value depends on use and eligibility
Wells Fargo
Why this card
No annual fee
Capital One
Why this card
No annual fee
Bank of America
Why this card
$60/yr value — Annual Airline Incidental Credit
$60/yr value — Global Entry or TSA PreCheck Credit
Est. $50/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
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
Cardless
Why this card
$20/yr value — $100 of Bilt Travel Hotel credit
Wells Fargo
Why this card
No annual fee
Why this card
$240/yr value — Annual Travel Credit
$100/yr value — The Edit by Chase Travel Hotel Credit
$60/yr value — Lyft Monthly Credit
Est. $588/yr in usable credits offset part of the $795 fee — actual value depends on use and eligibility
Cardless
Why this card
No annual fee
Why this card
$60/yr value — Annual Hotel Savings Benefit
Capital One
Why this card
No annual fee
Why this card
$25/yr value — Global Entry or TSA PreCheck Credit
Est. $50/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
For telecom, the highest-ranked card with a telecom bonus is the U.S. Bank Cash+ Visa Signature: 5% cash back, 5.0¢ per dollar (5% applies only if cell phone providers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.), up to $2,000 a quarter (then 1%). It has no annual fee.
