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Best Credit Cards for Nextiva

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for Nextiva

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:ShoppingMerchant: NextivaCached
95%
Shopping is a broad category. Many cards offer bonuses for specific retailers or subcategories like online shopping, department stores, or wholesale clubs.
Not right? Try:
116 matches1201ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

1

Bilt Palladium Card

Cardless

2x Bilt Rewards on Shopping
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.$100/yr $200 of Bilt Cash

$200 in credits offset the $495 fee

MASTERCARD
4.4¢
per dollar on shopping
$495/yr($200 in credits)
Annual rewards$264.00
+ Credits$200
− Annual fee$495
Net annual value-$31.00
2

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Shopping
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.7¢
    per dollar on shopping
    $395/yr($315 in credits)
    Annual rewards$222
    + Credits$315
    − Annual fee$395
    Net annual value$142
    Susan G. Komen® Customized Cash Rewards
    3

    Susan G. Komen® Customized Cash Rewards

    Bank Of America

    3% cash back on Shopping

    Why this card

    1. 1.3% cash back on Shopping ($156/yr on $6,000 spend)

    No annual fee

    VISACore Rate
    2.6¢
    per dollar on shopping
    No annual fee
    Annual rewards$156
    Net annual value$156

    Bonus rate on first $2,500/quarterly, then base rate

    4

    The Platinum Card from American Express

    Amex

    1x Membership Rewards on Shopping
    1x × 1.5¢/pt = 1.5¢ per dollar

    Why this card

    1. 1.$150/yr Lululemon Credit
    2. 2.$78/yr Walmart+ Membership Credit
    3. 3.$20/yr Saks Fifth Avenue Credit
    4. 4.Amex Offers

    $1,149.50 in credits fully offsets the $895 fee

    AMEX
    1.5¢
    per dollar on shopping
    $895/yr($1,149.50 in credits)
    Annual rewards$90
    + Credits$1,149.50
    − Annual fee$895
    Net annual value$344.50
    Citi Strata Elite℠ Card
    5

    Citi Strata Elite℠ Card

    Citi

    1.5x ThankYou Points on Shopping
    1.5x × 1.6¢/pt = 2.4¢ per dollar

    Why this card

      $762.50 in credits fully offsets the $595 fee

      MASTERCARD
      2.4¢
      per dollar on shopping
      $595/yr($762.50 in credits)
      Annual rewards$144
      + Credits$762.50
      − Annual fee$595
      Net annual value$311.50
      Capital One VentureOne Rewards Credit Card
      6

      Capital One VentureOne Rewards Credit Card

      Capital One

      1.25x Venture Miles on Shopping
      1.25x × 1.9¢/pt = 2.3¢ per dollar

      Why this card

        No annual fee

        MASTERCARD
        2.3¢
        per dollar on shopping
        No annual fee
        Annual rewards$138.75
        Net annual value$138.75
        Wells Fargo Active Cash Card
        7

        Wells Fargo Active Cash Card

        Wells Fargo

        2% cash back on Shopping
        Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

        Why this card

        1. 1.My Wells Fargo Deals
        2. 2.Up to 1.6¢/pt via Choice Privileges

        No annual fee

        VISA
        2.0¢
        per dollar on shopping
        No annual fee
        Annual rewards$120
        Net annual value$120
        Bank of America Customized Cash Rewards Credit Card
        8

        Bank of America Customized Cash Rewards Credit Card

        Bank Of America

        3% cash back on Shopping

        Why this card

        1. 1.3% cash back on Shopping ($156/yr on $6,000 spend)

        No annual fee

        VISACore Rate
        2.6¢
        per dollar on shopping
        No annual fee
        Annual rewards$156
        Net annual value$156

        Bonus rate on first $2,500/quarterly, then base rate

        Blue Cash Everyday Card from American Express
        9

        Blue Cash Everyday Card from American Express

        Amex

        3% cash back on Shopping

        Why this card

        1. 1.3% cash back on Shopping ($114/yr on $6,000 spend)
        2. 2.Amex Offers

        No annual fee

        AMEXCore Rate
        1.9¢
        per dollar on shopping
        No annual fee($42 in credits)
        Annual rewards$114
        + Credits$42
        Net annual value$156

        Bonus rate on first $6,000/annual, then base rate

        10

        One Key+ Card

        Wells Fargo

        2% cash back on Shopping
        MASTERCARD
        2.0¢
        per dollar on shopping
        $99/yr
        Annual rewards$120
        − Annual fee$99
        Net annual value$21
        Chase Sapphire Preferred Card
        11

        Chase Sapphire Preferred Card

        Chase

        1x Ultimate Rewards on Shopping
        1x × 1.8¢/pt = 1.8¢ per dollar

        Why this card

          $134 in credits fully offsets the $95 fee

          VISA
          1.8¢
          per dollar on shopping
          $95/yr($134 in credits)
          Annual rewards$108
          + Credits$134
          − Annual fee$95
          Net annual value$147
          U.S. Bank Smartly Visa Signature Card
          12

          U.S. Bank Smartly Visa Signature Card

          Usbank

          2% cash back on Shopping

          Why this card

            No annual fee

            VISA
            2.0¢
            per dollar on shopping
            No annual fee
            Annual rewards$120
            Net annual value$120
            13

            SoFi Credit Card

            Sofi

            2% cash back on Shopping

            Why this card

              No annual fee

              MASTERCARD
              2.0¢
              per dollar on shopping
              No annual fee
              Annual rewards$120
              Net annual value$120
              Fidelity Rewards Visa Signature Card
              14

              Fidelity Rewards Visa Signature Card

              Elan Financial

              2% cash back on Shopping

              Why this card

                No annual fee

                VISA
                2.0¢
                per dollar on shopping
                No annual fee
                Annual rewards$120
                Net annual value$120
                15

                TD Double Up Credit Card

                Td Bank

                2% cash back on Shopping

                Why this card

                  No annual fee

                  VISA
                  2.0¢
                  per dollar on shopping
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  Bilt Blue Card
                  16

                  Bilt Blue Card

                  Cardless

                  1x Bilt Rewards on Shopping
                  1x × 2.2¢/pt = 2.2¢ per dollar

                  Why this card

                    No annual fee

                    MASTERCARD
                    2.2¢
                    per dollar on shopping
                    No annual fee
                    Annual rewards$132.00
                    Net annual value$132.00
                    U.S. Bank Cash+® Visa Signature® Card
                    17

                    U.S. Bank Cash+® Visa Signature® Card

                    Usbank

                    5% cash back on Shopping

                    Why this card

                    1. 1.5% cash back on Shopping ($108/yr on $6,000 spend)

                    No annual fee

                    VISACore Rate
                    1.8¢
                    per dollar on shopping
                    No annual fee
                    Annual rewards$108
                    Net annual value$108

                    Bonus rate on first $2,000/quarterly, then base rate

                    Bilt Obsidian Card
                    18

                    Bilt Obsidian Card

                    Cardless

                    1x Bilt Rewards on Shopping
                    1x × 2.2¢/pt = 2.2¢ per dollar

                    Why this card

                      $20 in credits offset the $95 fee

                      MASTERCARD
                      2.2¢
                      per dollar on shopping
                      $95/yr($20 in credits)
                      Annual rewards$132.00
                      + Credits$20
                      − Annual fee$95
                      Net annual value$57.00
                      Rakuten American Express Card
                      19

                      Rakuten American Express Card

                      First Electronic Bank

                      1% cash back on Shopping

                      Convertible Cash Back — 1.0–2.0¢/$

                      This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                      Why this card

                      1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                      No annual fee

                      AMEXConvertible
                      1.0–2.0¢
                      per dollar on shopping
                      depending on redemption
                      No annual fee
                      Annual rewards$94
                      Net annual value$94
                      Chase Sapphire Reserve
                      20

                      Chase Sapphire Reserve

                      Chase

                      1x Ultimate Rewards on Shopping
                      1x × 1.8¢/pt = 1.8¢ per dollar

                      Why this card

                        $960 in credits fully offsets the $795 fee

                        VISA
                        1.8¢
                        per dollar on shopping
                        $795/yr($960 in credits)
                        Annual rewards$108
                        + Credits$960
                        − Annual fee$795
                        Net annual value$273
                        Synchrony Premier Mastercard
                        21

                        Synchrony Premier Mastercard

                        Synchrony

                        2% cash back on Shopping

                        Why this card

                          No annual fee

                          MASTERCARD
                          2.0¢
                          per dollar on shopping
                          No annual fee
                          Annual rewards$120
                          Net annual value$120
                          BJ's One+™ Mastercard®
                          22

                          BJ's One+™ Mastercard®

                          Capital One

                          2% cash back on Shopping

                          Why this card

                            No annual fee

                            MASTERCARD
                            2.0¢
                            per dollar on shopping
                            No annual fee
                            Annual rewards$120
                            Net annual value$120
                            Citi Double Cash Card
                            23

                            Citi Double Cash Card

                            Citi

                            2% cash back on Shopping

                            Why this card

                              No annual fee

                              MASTERCARD
                              2.0¢
                              per dollar on shopping
                              No annual fee
                              Annual rewards$120
                              Net annual value$120
                              Choice Privileges Select Mastercard
                              24

                              Choice Privileges Select Mastercard

                              Wells Fargo

                              5x Choice Privileges on Shopping
                              5x × 0.8¢/pt = 4.0¢ per dollar

                              Why this card

                              1. 1.5x on Shopping — points worth 0.8¢ each ($105.60/yr on $6,000 spend)

                              $15 in credits offset the $95 fee

                              MASTERCARDCore Rate
                              1.8¢
                              per dollar on shopping
                              $95/yr($15 in credits)
                              Annual rewards$105.60
                              + Credits$15
                              − Annual fee$95
                              Net annual value$25.60
                              Bank of America® Customized Cash Rewards for Students
                              25

                              Bank of America® Customized Cash Rewards for Students

                              Bank Of America

                              3% cash back on Shopping

                              Why this card

                              1. 1.3% cash back on Shopping ($144/yr on $6,000 spend)

                              No annual fee

                              VISACore Rate
                              2.4¢
                              per dollar on shopping
                              No annual fee
                              Annual rewards$144
                              Net annual value$144

                              Bonus rate on first $2,500/quarterly, then base rate

                              Bank of America® Customized Cash Rewards Secured
                              26

                              Bank of America® Customized Cash Rewards Secured

                              Bank Of America

                              3% cash back on Shopping

                              Why this card

                              1. 1.3% cash back on Shopping ($144/yr on $6,000 spend)

                              No annual fee

                              VISACore Rate
                              2.4¢
                              per dollar on shopping
                              No annual fee
                              Annual rewards$144
                              Net annual value$144

                              Bonus rate on first $2,500/quarterly, then base rate

                              Discover it® Miles
                              27

                              Discover it® Miles

                              Discover

                              1.5x Cashback on Shopping
                              1.5x × 1.0¢/pt = 1.5¢ per dollar

                              Why this card

                                No annual fee

                                DISCOVER
                                1.5¢
                                per dollar on shopping
                                No annual fee
                                Annual rewards$90
                                Net annual value$90
                                Navy Federal Visa cashRewards Card
                                28

                                Navy Federal Visa cashRewards Card

                                Navy Federal

                                1.5% cash back on Shopping

                                Why this card

                                  No annual fee

                                  VISA
                                  1.5¢
                                  per dollar on shopping
                                  No annual fee
                                  Annual rewards$90
                                  Net annual value$90
                                  Capital One QuicksilverOne Cash Rewards Credit Card
                                  29

                                  Capital One QuicksilverOne Cash Rewards Credit Card

                                  Capital One

                                  1.5% cash back on Shopping
                                  MASTERCARD
                                  1.5¢
                                  per dollar on shopping
                                  $39/yr
                                  Annual rewards$90
                                  − Annual fee$39
                                  Net annual value$51
                                  Birch Lane Mastercard
                                  30

                                  Birch Lane Mastercard

                                  Citi

                                  2% cash back on Shopping

                                  Why this card

                                  1. 1.2% cash back on Shopping ($60/yr on $6,000 spend)
                                  2. 2.$36/yr $40 Off First Order
                                  3. 3.Free Shipping on Eligible Purchases

                                  No annual fee

                                  MASTERCARDCore Rate
                                  1.0¢
                                  per dollar on shopping
                                  No annual fee
                                  Annual rewards$60
                                  Net annual value$60