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Compare card earning rates, fees and benefit qualifications.
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.
163 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not transit?

Why this card
5% applies only if ground transportation 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

Why this card
No annual fee

Wells Fargo
Why this card
No annual fee
Cardless
Why this card
Annual fee $495. Other listed credits: $200 of Bilt Cash (up to $200/yr). 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

American Express
Why this card
Annual fee $95. Other listed credits: Disney Bundle Credit (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.

Capital One
Why this card

WebBank
Why this card
No annual fee
Your spend ($6,000) is 167% of the $3,600 annual cap
Bonus rate on first $300/monthly, then base rate

Bank of America
Why this card

Elan Financial
Why this card
No annual fee
Why this card
No annual fee

Why this card
Capital One
Why this card

Chase
Why this card
No annual fee
Synchrony
Why this card
No annual fee

Capital One
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

Why this card

Why this card

Why this card
Wells Fargo
Why this card

Chase
Why this card
No annual fee

Cardless
Why this card
No annual fee

Capital One
Why this card
No annual fee


Wells Fargo
Why this card
No annual fee

Why this card
Annual fee $350. Other listed credits: Up to $100 Annual Splurge 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.

Cardless
Why this card

Bank of America
Why this card
No annual fee