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.
176 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not gas stations?
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
$50/yr value — $100 Annual Hotel Credit
$25/yr value — Global Entry, TSA PreCheck or NEXUS Credit
Why this card
$60/yr value — Annual Hotel Savings Benefit
Why this card
5% applies only if home utilities is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories. 2% applies only if gas stations and EV charging is the one everyday category you choose each quarter.
No annual fee
Bonus rate on first $2,000/quarterly, then base rate
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
Capital One
Why this card
$240/yr value — $300 Annual Capital One Travel Credit
$30/yr value — Global Entry or TSA PreCheck Credit
Why this card
No annual fee
Your spend ($3,000) is 100% of the $3,000 annual cap
Bonus rate on first $3,000/annual, then base rate
Synchrony
Why this card
No annual fee
Bonus rate on first $6,000/annual, then base rate
WebBank
Why this card
Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $81 ($400 initial limit (first year)) or $55 ($500 initial limit (first year)) or $5 ($700 or $1,000 initial limit (first year)). Ranked assuming the $175 $700 or $1,000 initial limit (first year) fee; your fee depends on the version you are approved for.
net est. $81 ($400 initial limit (first year)) or $55 ($500 initial limit (first year)) or $5 ($700 or $1,000 initial limit (first year))
Why this card
No annual fee
Why this card
$150/yr value — Up to $300 Annual Hotel Benefit
U.S. Bank
Why this card
Est. $49.50/yr in usable credits offset part of the $99 fee — actual value depends on use and eligibility
Wells Fargo
Why this card
No annual fee
Why this card
No annual fee
Elan Financial
Why this card
$25/yr value — Global Entry or TSA PreCheck application fee credit
No annual fee
Why this card
No annual fee
Bonus rate on first $6,000/annual, then base rate
Capital One
Why this card
$30/yr value — Global Entry or TSA PreCheck Credit
Synchrony
Why this card
No annual fee
WebBank
Why this card
No annual fee
Your spend ($3,000) is 83% of the $3,600 annual cap
Bonus rate on first $300/monthly, then base rate
Wells Fargo
Why this card
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
Why this card
$240/yr value — Annual Travel 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
Why this card
$25/yr value — TSA PreCheck or Global Entry Credit
No annual fee
Your spend ($3,000) is 75% of the $4,000 annual cap
Bonus rate on first $1,000/quarterly, then base rate
American Express
Why this card
Est. $24/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
FNBO
Why this card
No annual fee
Why this card
No annual fee
Bonus rate on first $7,000/annual, then base rate
Why this card
No annual fee
Bonus rate on first $6,000/annual, then base rate
Synchrony
Why this card
No annual fee
Bonus rate on first $6,000/annual, then base rate
Why this card
$20/yr value — Lyft Credits
No annual fee
Bank of America
Why this card
