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.
178 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not dining?
Earn 3 ways on one dinner
Your card's dining rate, a dining program you link it to, and the reservation perks it unlocks. The dining map shows all three, restaurant by restaurant.
Eligible dine-in purchases only; takeout and delivery do not qualify. Check restaurant and day restrictions. A card can be linked to only one dining rewards program at a time. The Rakuten American Express Card offers an extra 5% on eligible Rakuten Dining purchases (10% total) when added to the Rakuten Wallet and linked to your active Rakuten account. Dining purchases do not count toward its shopping rewards cap. Rakuten Dining's 5% is not counted for other cards: any linked card can earn it, but whether you link one, and where you dine, are unknown. For the Rakuten American Express Card, the full 10% at these restaurants (in place of its usual restaurant rate) is counted on 3.3% of dining spend: 20,618 of the 618,476 restaurants in the US take part (US Census, 2023). Answer "Do you use Rakuten Dining?" to change it.
Cardless
Why this card
3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
Annual fee $95. Other listed credits: $100 of Bilt Travel Hotel credit (up to $100). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
American Express
Why this card
Annual fee $325. Other listed credits: $120 Uber Cash (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $50,000/annual, then base rate
Why this card
Annual fee $95. Other listed credits: Global Entry, TSA PreCheck or NEXUS Credit (up to $120/4yr); $100 Annual Hotel Credit (up to $100/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Wells Fargo
Why this card
No annual fee
Why this card
Annual fee $95. Other listed credits: Annual Hotel Savings Benefit (up to $100/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
BMO
Why this card
Annual fee $150. Other listed credits: Get the Trusted Traveler fee credit (up to $100/4yr); Unwind with a $240 hotel credit (up to $20/mo; requires $200 eligible spend within 1 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $3,000/quarterly, then base rate
Why this card
No annual fee. Other listed credits: Annual Streaming Credit (up to $15/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Your spend ($6,000) is 75% of the $8,000 annual cap
Bonus rate on first $2,000/quarterly, then base rate
Synchrony
Why this card
No annual fee
Why this card
Annual fee $795. Other listed credits: StubHub & viagogo Credit (up to $300/yr); Annual Travel Credit (up to $300/yr); The Edit by Chase Travel Hotel Credit (up to $500/yr); Apple TV and Apple Music Subscriptions (up to $27/mo); Global Entry or TSA PreCheck Credit (up to $120/4yr); Lyft Monthly Credit (up to $10/mo); Peloton Credits & Bonus Points (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Annual fee $95. Other listed credits: $50 annual statement credit (up to $50/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Annual fee $595. Other listed credits: Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit (up to $120/4yr); Up to $200 Annual Blacklane® Credit (up to $200/yr); Up to $200 Annual Splurge Credit℠ (up to $200/yr); Up to $300 Annual Hotel Benefit (up to $300/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
No annual fee
Capital One
Why this card
No annual fee
Cardless
Why this card
Annual fee $495. Other listed credits: $200 of Bilt Cash (up to $200/yr); $400 Bilt Travel Hotel credit (up to $400). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Your spend ($6,000) is 75% of the $8,000 annual cap
Bonus rate on first $2,000/quarterly, then base rate
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Why this card
No annual fee. Other listed credits: 10% Monthly Grocery Discount (up to $15/mo); DashPass Anniversary bonus (up to $96/yr; requires $10,000 eligible spend within 12 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Navy Federal
Why this card
No annual fee
Navy Federal
Why this card
No annual fee
Synchrony
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Bank of America
Why this card
Why this card
Why this card
Wells Fargo
Why this card
Capital One
Why this card
Annual fee $95. Other listed credits: Global Entry or TSA PreCheck Credit (up to $120/4yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Annual fee $150. Other listed credits: $100 Airline Statement Credit (up to $100/yr; requires $250 eligible spend within 12 months); Up to $100 Annual IHG Food and Beverage Rewards (up to $25/qtr); Global Entry, TSA PreCheck or NEXUS Statement Credit (up to $120/4yr); Up to $50 United TravelBank Cash Each Year (up to $25/6mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bank of America
Why this card
Annual fee $395. Other listed credits: Airport Security Statement Credit (up to $120/4yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
No annual fee
Barclays
Why this card
