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.
169 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
Cardless
Why this card
$200/yr value — $400 Bilt Travel Hotel credit
Est. $100/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Why this card
No annual fee
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$25/yr value — $50 annual statement credit
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$60/yr value — $100 Airline Statement Credit
$50/yr value — Up to $100 Annual IHG Food and Beverage Rewards
$35/yr value — Up to $50 United TravelBank Cash Each Year
$30/yr value — Global Entry, TSA PreCheck or NEXUS Statement Credit
Promotional rate — may be time-limited
BMO
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$144/yr value — Unwind with a $240 hotel credit
Est. $12.50/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Bonus rate on first $3,000/quarterly, then base rate
Cardless
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$20/yr value — $100 of Bilt Travel Hotel credit
Wells Fargo
Why this card
No annual fee
Barclays
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
Est. $25/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$50/yr value — $100 Annual Hotel Credit
$25/yr value — Global Entry, TSA PreCheck or NEXUS Credit
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$25/yr value — TSA PreCheck or Global Entry Credit
No annual fee
Chase
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$60/yr value — Air Canada Statement Credits
Est. $15/yr in usable credits offset part of the $195 fee — actual value depends on use and eligibility
Capital One
Why this card
$240/yr value — $300 Annual Capital One Travel Credit
$30/yr value — Global Entry or TSA PreCheck Credit
Navy Federal
Why this card
No annual fee
Amex has limited international acceptance — carry a Visa/Mastercard backup
American Express
Why this card
Est. $24/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Amex has limited international acceptance — carry a Visa/Mastercard backup
Bank of America
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$10/yr value — Emergency Services
No annual fee
Bank of America
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
FNBO
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
No annual fee
Why this card
$150/yr value — Up to $300 Annual Hotel Benefit
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$25/yr value — Global Entry or TSA PreCheck Credit
Est. $50/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
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
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$60/yr value — Annual Airline Incidental Credit
$60/yr value — Global Entry or TSA PreCheck Credit
Elan Financial
Why this card
$25/yr value — Global Entry or TSA PreCheck application fee credit
No annual fee
Bank of America
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
No annual fee
TD Bank
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
No annual fee
Capital One
Why this card
$30/yr value — Global Entry or TSA PreCheck Credit
Chase
Why this card
Estimated rewards assume this merchant has an eligible merchant category code (MCC); actual coding and issuer exclusions can differ.
$160/yr value — $200 annual United travel credit
$75/yr value — Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers
$25/yr value — 25% Back on Inflight Purchases
Why this card
$144/yr value — Up to $240 back on Turo
$50/yr value — Up to $100 back on inflight purchases
