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
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Cardless
Why this card
$100/yr value — $200 of Bilt Cash
Est. $200/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Capital One
Why this card
Est. $15/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
American Express
Why this card
$150/yr value — Lululemon Credit
$78/yr value — Walmart+ Membership Credit
Est. $1,089.50/yr in usable credits could cover the $895 fee — actual value depends on use and eligibility
Elan Financial
Why this card
No annual fee
Why this card
Est. $1,063/yr in usable credits could cover the $795 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
Why this card
Est. $140/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Wells Fargo
Why this card
No annual fee
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
Est. $150/yr in usable credits could cover the $95 fee — actual value depends on use and eligibility
Why this card
Est. $465/yr in usable credits offset part of the $595 fee — actual value depends on use and eligibility
Bank of America
Why this card
No annual fee
Cardless
Why this card
No annual fee
Cardless
Why this card
Est. $20/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Discover
Why this card
No annual fee
Navy Federal
Why this card
No annual fee
Why this card
Est. $65/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Capital One
Why this card
No annual fee
Chase
Why this card
$72/yr value — Up to $120 in Instacart credits
$60/yr value — Up to $100 in credits on JSX purchases annually
Est. $45/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Why this card
Est. $50/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
First Electronic Bank
Why this card
Not assumed: 100 Bilt Rewards points per $1 of cash back (about 2.0¢ per dollar). Needs Bilt Silver, Gold or Platinum status on the payout date. Not assumed: 100 Amex Membership Rewards points per $1 of cash back (about 1.5¢ per dollar). Needs another American Express card enrolled in US Membership Rewards (not the Rakuten card or a corporate card), not cancelled or past due.
No annual fee
American Express
Why this card
No annual fee
Chase
Why this card
$30/yr value — Disney Shopping Perks
No annual fee
