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Best Credit Cards for Soda

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 Soda

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

Resolved as:Convenience+2 moreCached
80%
Not right? Try:
180 matches693ms

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

Bilt Obsidian Card
1

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Convenience
3x × 2.2¢/pt = 6.6¢ per dollar

Why this card

  1. 1.3x on Convenience Stores — points worth 2.2¢ each ($290.40/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$20 in credits offset the $95 fee

MASTERCARDCore Rate
4.8¢
per dollar on convenience
$95/yr($20 in credits)
Annual rewards$290.40
+ Credits$20
− Annual fee$95
Net annual value$215.40

Bonus rate on first $25,000/annual, then base rate

American Express Gold Card
2

American Express Gold Card

Amex

4x Membership Rewards on Convenience
4x × 1.5¢/pt = 6.0¢ per dollar

Why this card

  1. 1.4x on Convenience Stores — points worth 1.5¢ each ($252/yr on $6,000 spend)
  2. 2.$60/yr $120 Dining Credit

$152 in credits offset the $325 fee

AMEXCore Rate
4.2¢
per dollar on convenience
$325/yr($152 in credits)
Annual rewards$252
+ Credits$152
− Annual fee$325
Net annual value$79

Bonus rate on first $25,000/annual, then base rate

3

Bilt Palladium Card

Cardless

2x Bilt Rewards on Convenience
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 convenience
$495/yr($200 in credits)
Annual rewards$264.00
+ Credits$200
− Annual fee$495
Net annual value-$31.00
Chase Sapphire Preferred Card
4

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Convenience
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Convenience Stores — points worth 1.8¢ each ($237.60/yr on $6,000 spend)

$84.80 in credits offset the $95 fee

VISACore Rate
4.0¢
per dollar on convenience
$95/yr($84.80 in credits)
Annual rewards$237.60
+ Credits$84.80
− Annual fee$95
Net annual value$227.40
5

Capital One Venture X Rewards Credit Card

Capital One

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

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.7¢
    per dollar on convenience
    $395/yr($315 in credits)
    Annual rewards$222
    + Credits$315
    − Annual fee$395
    Net annual value$142
    Citi Strata Elite℠ Card
    6

    Citi Strata Elite℠ Card

    Citi

    3x ThankYou Points on Convenience
    3x × 1.6¢/pt = 4.8¢ per dollar

    Why this card

    1. 1.3x on Convenience Stores — points worth 1.6¢ each ($187.20/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $762.50 in credits fully offsets the $595 fee

    MASTERCARDCore Rate
    3.1¢
    per dollar on convenience
    $595/yr($762.50 in credits)
    Annual rewards$187.20
    + Credits$762.50
    − Annual fee$595
    Net annual value$354.70
    7

    Verizon Visa Card

    Synchrony

    4% cash back on Convenience

    Why this card

    1. 1.4% cash back on Convenience Stores ($168/yr on $6,000 spend)

    No annual fee

    VISACore Rate
    2.8¢
    per dollar on convenience
    No annual fee
    Annual rewards$168
    Net annual value$168
    DoorDash Rewards Mastercard®
    8

    DoorDash Rewards Mastercard®

    Chase

    3x points on Convenience via Direct

    Why this card

    1. 1.3x on Convenience Stores ($114/yr on $6,000 spend)
    2. 2.$153/yr 10% Monthly Grocery Discount

    No annual fee

    MASTERCARDCore Rate
    1.9¢
    per dollar on convenience
    No annual fee($96 in credits)
    Annual rewards$114
    + Credits$96
    Net annual value$210
    Citi Strata Premier Card
    9

    Citi Strata Premier Card

    Citi

    3x ThankYou Points on Convenience
    3x × 1.6¢/pt = 4.8¢ per dollar

    Why this card

    1. 1.3x on Convenience Stores — points worth 1.6¢ each ($211.20/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $50 in credits offset the $95 fee

    MASTERCARDCore Rate
    3.5¢
    per dollar on convenience
    $95/yr($50 in credits)
    Annual rewards$211.20
    + Credits$50
    − Annual fee$95
    Net annual value$166.20
    Rakuten American Express Card
    10

    Rakuten American Express Card

    First Electronic Bank

    2% cash back on Convenience

    Convertible Cash Back — 2.0–4.0¢/$

    This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

    Why this card

    1. 1.2% cash back on Convenience Stores ($150.40/yr on $6,000 spend)
    2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

    No annual fee

    AMEXConvertibleCore Rate
    2.0–4.0¢
    per dollar on convenience
    depending on redemption
    No annual fee
    Annual rewards$150.40
    Net annual value$150.40
    Citi Strata Credit Card
    11

    Citi Strata Credit Card

    Citi

    3x ThankYou Points on Convenience
    3x × 1.6¢/pt = 4.8¢ per dollar

    Why this card

    1. 1.3x on Convenience Stores — points worth 1.6¢ each ($182.40/yr on $6,000 spend)

    No annual fee

    MASTERCARDCore Rate
    3.0¢
    per dollar on convenience
    No annual fee($150 in credits)
    Annual rewards$182.40
    + Credits$150
    Net annual value$332.40
    Chase Sapphire Reserve
    12

    Chase Sapphire Reserve

    Chase

    3x Ultimate Rewards on Convenience
    3x × 1.8¢/pt = 5.4¢ per dollar

    Why this card

    1. 1.3x on Convenience Stores — points worth 1.8¢ each ($172.80/yr on $6,000 spend)

    $837 in credits fully offsets the $795 fee

    VISACore Rate
    2.9¢
    per dollar on convenience
    $795/yr($837 in credits)
    Annual rewards$172.80
    + Credits$837
    − Annual fee$795
    Net annual value$214.80
    U.S. Bank Cash+® Visa Signature® Card
    13

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

    Usbank

    5% cash back on Convenience

    Why this card

    1. 1.5% cash back on Convenience Stores ($150/yr on $6,000 spend)

    No annual fee

    VISACore Rate
    2.5¢
    per dollar on convenience
    No annual fee
    Annual rewards$150
    Net annual value$150

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

    14

    One Key+ Card

    Wells Fargo

    3% cash back on Convenience

    Why this card

    1. 1.3% cash back on Convenience Stores ($156/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings
    MASTERCARDCore Rate
    2.6¢
    per dollar on convenience
    $99/yr
    Annual rewards$156
    − Annual fee$99
    Net annual value$57
    West Elm Key Rewards Visa
    15

    West Elm Key Rewards Visa

    Capital One

    4x points on Convenience

    Why this card

    1. 1.4x on Convenience Stores ($144/yr on $6,000 spend)
    2. 2.Free standard shipping

    No annual fee

    VISACore Rate
    2.4¢
    per dollar on convenience
    No annual fee
    Annual rewards$144
    Net annual value$144
    Capital One VentureOne Rewards Credit Card
    16

    Capital One VentureOne Rewards Credit Card

    Capital One

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

    Why this card

      No annual fee

      MASTERCARD
      2.3¢
      per dollar on convenience
      No annual fee
      Annual rewards$138.75
      Net annual value$138.75
      Wells Fargo Active Cash Card
      17

      Wells Fargo Active Cash Card

      Wells Fargo

      2% cash back on Convenience
      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 convenience
      No annual fee
      Annual rewards$120
      Net annual value$120
      BMO Premium Rewards Mastercard®
      18

      BMO Premium Rewards Mastercard®

      Bmo

      4x points on Convenience

      Why this card

      1. 1.4x on Convenience Stores ($144/yr on $6,000 spend)
      MASTERCARDCore Rate
      2.4¢
      per dollar on convenience
      $95/yr
      Annual rewards$144
      − Annual fee$95
      Net annual value$49

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

      19

      Capital One SavorOne Student Cash Rewards Credit Card

      Capital One

      3% cash back on Convenience

      Why this card

      1. 1.3% cash back on Convenience Stores ($132/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      2.2¢
      per dollar on convenience
      No annual fee
      Annual rewards$132
      Net annual value$132
      20

      Navy Federal More Rewards American Express®

      Navy Federal

      3x points on Convenience

      Why this card

      1. 1.3x on Convenience Stores ($132/yr on $6,000 spend)

      No annual fee

      AMEXCore Rate
      2.2¢
      per dollar on convenience
      No annual fee
      Annual rewards$132
      Net annual value$132
      21

      The Platinum Card from American Express

      Amex

      1x Membership Rewards on Convenience
      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 convenience
      $895/yr($1,149.50 in credits)
      Annual rewards$90
      + Credits$1,149.50
      − Annual fee$895
      Net annual value$344.50
      Marriott Bonvoy Bountiful Credit Card
      22

      Marriott Bonvoy Bountiful Credit Card

      Chase

      4x Marriott Bonvoy on Convenience
      4x × 0.7¢/pt = 2.8¢ per dollar

      Why this card

      1. 1.4x on Convenience Stores — points worth 0.7¢ each ($134.40/yr on $6,000 spend)

      $85.80 in credits offset the $250 fee

      VISACore Rate
      2.2¢
      per dollar on convenience
      $250/yr($85.80 in credits)
      Annual rewards$134.40
      + Credits$85.80
      − Annual fee$250
      Net annual value-$29.80

      Bonus rate on first $15,000/annual, then base rate

      Fidelity Rewards Visa Signature Card
      23

      Fidelity Rewards Visa Signature Card

      Elan Financial

      2% cash back on Convenience

      Why this card

        No annual fee

        VISA
        2.0¢
        per dollar on convenience
        No annual fee
        Annual rewards$120
        Net annual value$120
        24

        SoFi Credit Card

        Sofi

        2% cash back on Convenience

        Why this card

          No annual fee

          MASTERCARD
          2.0¢
          per dollar on convenience
          No annual fee
          Annual rewards$120
          Net annual value$120
          25

          TD Double Up Credit Card

          Td Bank

          2% cash back on Convenience

          Why this card

            No annual fee

            VISA
            2.0¢
            per dollar on convenience
            No annual fee
            Annual rewards$120
            Net annual value$120
            U.S. Bank Smartly Visa Signature Card
            26

            U.S. Bank Smartly Visa Signature Card

            Usbank

            2% cash back on Convenience

            Why this card

              No annual fee

              VISA
              2.0¢
              per dollar on convenience
              No annual fee
              Annual rewards$120
              Net annual value$120
              Aeroplan® Card
              27

              Aeroplan® Card

              Chase

              3x Aeroplan on Convenience
              3x × 1.0¢/pt = 3.0¢ per dollar

              Why this card

              1. 1.3x on Convenience Stores — points worth 1.0¢ each ($132/yr on $6,000 spend)
              2. 2.$30/yr Instacart+ Savings

              $15 in credits offset the $195 fee

              MASTERCARDCore Rate
              2.2¢
              per dollar on convenience
              $195/yr($15 in credits)
              Annual rewards$132
              + Credits$15
              − Annual fee$195
              Net annual value-$48
              Wells Fargo Autograph Journey Visa Credit Card
              28

              Wells Fargo Autograph Journey Visa Credit Card

              Wells Fargo

              3x Wells Fargo Rewards on Convenience
              3x × 1.3¢/pt = 3.8¢ per dollar
              Up to 4.8¢/$ (1.6¢/pt)via Choice Privileges

              Why this card

              1. 1.3x on Convenience Stores — points worth 1.3¢ each ($120/yr on $6,000 spend)
              2. 2.Up to 1.6¢/pt via Choice Privileges

              $25 in credits offset the $95 fee

              VISACore Rate
              2.0¢
              per dollar on convenience
              $95/yr($25 in credits)
              Annual rewards$120
              + Credits$25
              − Annual fee$95
              Net annual value$50
              Bank of America Customized Cash Rewards Credit Card
              29

              Bank of America Customized Cash Rewards Credit Card

              Bank Of America

              3% cash back on Convenience

              Why this card

              1. 1.3% cash back on Convenience Stores ($114/yr on $6,000 spend)

              No annual fee

              VISACore Rate
              1.9¢
              per dollar on convenience
              No annual fee
              Annual rewards$114
              Net annual value$114

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

              U.S. Bank Altitude Go Visa Signature Card
              30

              U.S. Bank Altitude Go Visa Signature Card

              Usbank

              4x Usbank Altitude Rewards on Convenience
              4x × 1.0¢/pt = 4.0¢ per dollar

              Why this card

              1. 1.4x on Convenience Stores — points worth 1.0¢ each ($132/yr on $6,000 spend)

              No annual fee

              VISACore Rate
              2.2¢
              per dollar on convenience
              No annual fee($15 in credits)
              Annual rewards$132
              + Credits$15
              Net annual value$147

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