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.
12 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
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
No annual fee
U.S. Bank
Why this card
Annual fee $99. Other listed credits: Dealership Credit (up to $30); H.O.G. Membership Credit (up to $59); SiriusXM Membership Credit (up to $10/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
U.S. Bank
Why this card
No annual fee
Why this card
No annual fee. Other listed credits: TSA PreCheck or Global Entry Credit (up to $100/4yr). 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.
U.S. Bank
Why this card
Annual fee $450. Other listed credits: $200 travel credit (up to $200); Get to the gate faster (up to $120/4yr); Save at checkout (up to $25). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
U.S. Bank
Why this card
No annual fee. Other listed credits: $20 annual statement credit (up to $20/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
