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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
160 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
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Why this card
3X applies only if fitness clubs is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
No annual fee
Why this card
5% applies only if gyms/fitness centers 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
Bonus rate on first $2,000/quarterly, then base rate
Why this card
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
$15/yr value — Equinox Credit
Est. $1,124.50/yr in usable credits could cover the $895 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. $465/yr in usable credits offset part of the $595 fee — actual value depends on use and eligibility
Elan Financial
Why this card
No annual fee
Why this card
No annual fee
Why this card
$6/yr value — Peloton Credits & Bonus Points
Est. $1,057/yr in usable credits could cover the $795 fee — actual value depends on use and eligibility
Wells Fargo
Why this card
No annual fee
Synchrony
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Why this card
Smartly Earning Bonus requires a U.S. 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
Cardless
Why this card
No annual fee
Why this card
No annual fee
Why this card
Est. $140/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Cardless
Why this card
Est. $20/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
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
Why this card
Est. $50/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
Capital One
Why this card
No annual fee
Capital One
Why this card
No annual fee
Why this card
1% in Best Buy certificate value) on everything ($60/yr in Best Buy certificate value on $6,000 of eligible purchases). Not cash: reward certificates require future qualifying Best Buy purchases before they expire.
Annual fee $0 (Visa Platinum) or $59 (Visa Gold), set at approval; net est. $60 (Visa Platinum) or $1 (Visa Gold). Ranked assuming the $59 Visa Gold fee; your fee depends on the version you are approved for.
net est. $60 (Visa Platinum) or $1 (Visa Gold)
Capital One
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Discover
Why this card
No annual fee
For this search, our top pick is the Citi Strata, which earns 3x ThankYou Points on fitness, worth about 5.1¢ per dollar at our 1.7¢ valuation (3X applies only if fitness clubs is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.). It has no annual fee.
