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.
176 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
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.
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
5% applies only if fast food 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
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.
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
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
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.
Bonus rate on first $2,000/quarterly, then base rate
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.
Synchrony
Why this card
No annual fee
Why this card
No annual fee
Bank of America
Why this card
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
FNBO
Why this card
No annual fee
Capital One
Why this card
No annual fee
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.
American Express
Why this card
Bonus rate on first $15,000/annual, then base rate
Why this card
Bonus rate on first $15,000/annual, then base rate
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.
Capital One
Why this card
No annual fee
Chase
Why this card
No annual fee
WebBank
Why this card
No annual fee
Why this card
No annual fee
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Why this card
No annual fee
Navy Federal
Why this card
No annual fee
For this search, our top pick is the Bilt Obsidian, which earns 3x Bilt Rewards on dining, worth about 6.0¢ per dollar at our 2.0¢ valuation (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.). It has a $95 annual fee. If you'd rather not pay a fee, the U.S. Bank Cash+ Visa Signature earns 5% cash back on fast food, 5.0¢ per dollar (5% applies only if fast food is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.), up to $2,000 a quarter (then 1%).
