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Best Credit Cards for Universal

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 Universal

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

Resolved as:All Othercard_name
95%
129 matches579ms

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

Best Match

Universal Rewards Visa Signature®

Fnbo · No annual fee

Name match95% confidence
View full details

Also matched

Universal Rewards Plus Visa Signature®Fnbo

Compare with

1

Universal Rewards Plus Visa Signature®

Fnbo

1x points

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.Universal Destinations & Experiences Benefits
VISA
1.0¢
per dollar
$99/yr
Annual rewards$60
− Annual fee$99
Net annual value-$39
2

Bilt Palladium Card

Cardless

2x Bilt Rewards
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    3

    Capital One Venture X Rewards Credit Card

    Capital One

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

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar
      $395/yr($315 in credits)
      Annual rewards$222
      + Credits$315
      − Annual fee$395
      Net annual value$142
      Citi Strata Elite℠ Card
      4

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points
      1.5x × 1.6¢/pt = 2.4¢ per dollar

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        2.4¢
        per dollar
        $595/yr($762.50 in credits)
        Annual rewards$144
        + Credits$762.50
        − Annual fee$595
        Net annual value$311.50
        5

        The Platinum Card from American Express

        Amex

        1x Membership Rewards
        1x × 1.5¢/pt = 1.5¢ per dollar

        Why this card

          $1,397 in credits fully offsets the $895 fee

          AMEX
          1.5¢
          per dollar
          $895/yr($1,397 in credits)
          Annual rewards$90
          + Credits$1,397
          − Annual fee$895
          Net annual value$592
          6

          TD Double Up Credit Card

          Td Bank

          2% cash back

          Why this card

          1. 1.Universal Destinations & Experiences Benefits

          No annual fee

          VISA
          2.0¢
          per dollar
          No annual fee
          Annual rewards$120
          Net annual value$120
          BJ's One+™ Mastercard®
          7

          BJ's One+™ Mastercard®

          Capital One

          2% cash back

          Why this card

            No annual fee

            MASTERCARD
            2.0¢
            per dollar
            No annual fee
            Annual rewards$120
            Net annual value$120
            8

            One Key+ Card

            Wells Fargo

            2% cash back
            MASTERCARD
            2.0¢
            per dollar
            $99/yr
            Annual rewards$120
            − Annual fee$99
            Net annual value$21
            Chase Sapphire Reserve
            9

            Chase Sapphire Reserve

            Chase

            1x Ultimate Rewards
            1x × 1.8¢/pt = 1.8¢ per dollar

            Why this card

              $960 in credits fully offsets the $795 fee

              VISA
              1.8¢
              per dollar
              $795/yr($960 in credits)
              Annual rewards$108
              + Credits$960
              − Annual fee$795
              Net annual value$273
              Wells Fargo Active Cash Card
              10

              Wells Fargo Active Cash Card

              Wells Fargo

              2% cash back
              Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

              Why this card

              1. 1.Universal Destinations & Experiences Benefits
              2. 2.Up to 1.6¢/pt via Choice Privileges

              No annual fee

              VISA
              2.0¢
              per dollar
              No annual fee
              Annual rewards$120
              Net annual value$120
              Fidelity Rewards Visa Signature Card
              11

              Fidelity Rewards Visa Signature Card

              Elan Financial

              2% cash back

              Why this card

              1. 1.Universal Destinations & Experiences Benefits

              No annual fee

              VISA
              2.0¢
              per dollar
              No annual fee
              Annual rewards$120
              Net annual value$120
              U.S. Bank Smartly Visa Signature Card
              12

              U.S. Bank Smartly Visa Signature Card

              Usbank

              2% cash back

              Why this card

              1. 1.Universal Destinations & Experiences Benefits

              No annual fee

              VISA
              2.0¢
              per dollar
              No annual fee
              Annual rewards$120
              Net annual value$120
              Synchrony Premier Mastercard
              13

              Synchrony Premier Mastercard

              Synchrony

              2% cash back

              Why this card

                No annual fee

                MASTERCARD
                2.0¢
                per dollar
                No annual fee
                Annual rewards$120
                Net annual value$120
                Rakuten American Express Card
                14

                Rakuten American Express Card

                First Electronic Bank

                1% cash back

                Convertible Cash Back — 1.0–2.0¢/$

                This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                Why this card

                1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                No annual fee

                AMEXConvertible
                1.0–2.0¢
                per dollar
                depending on redemption
                No annual fee
                Annual rewards$94
                Net annual value$94
                Capital One VentureOne Rewards Credit Card
                15

                Capital One VentureOne Rewards Credit Card

                Capital One

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

                Why this card

                  No annual fee

                  MASTERCARD
                  2.3¢
                  per dollar
                  No annual fee
                  Annual rewards$138.75
                  Net annual value$138.75
                  Bank of America® Unlimited Cash Rewards Secured
                  16

                  Bank of America® Unlimited Cash Rewards Secured

                  Bank Of America

                  1.5% cash back

                  Why this card

                  1. 1.1.5% cash back ($90/yr on $6,000 spend)

                  No annual fee

                  VISACore Rate
                  1.5¢
                  per dollar
                  No annual fee
                  Annual rewards$90
                  Net annual value$90
                  Bilt Blue Card
                  17

                  Bilt Blue Card

                  Cardless

                  1x Bilt Rewards
                  1x × 2.2¢/pt = 2.2¢ per dollar

                  Why this card

                    No annual fee

                    MASTERCARD
                    2.2¢
                    per dollar
                    No annual fee
                    Annual rewards$132.00
                    Net annual value$132.00
                    Bilt Obsidian Card
                    18

                    Bilt Obsidian Card

                    Cardless

                    1x Bilt Rewards
                    1x × 2.2¢/pt = 2.2¢ per dollar

                    Why this card

                      $20 in credits offset the $95 fee

                      MASTERCARD
                      2.2¢
                      per dollar
                      $95/yr($20 in credits)
                      Annual rewards$132.00
                      + Credits$20
                      − Annual fee$95
                      Net annual value$57.00
                      19

                      SoFi Credit Card

                      Sofi

                      2% cash back

                      Why this card

                        No annual fee

                        MASTERCARD
                        2.0¢
                        per dollar
                        No annual fee
                        Annual rewards$120
                        Net annual value$120
                        Citi Double Cash Card
                        20

                        Citi Double Cash Card

                        Citi

                        2% cash back

                        Why this card

                          No annual fee

                          MASTERCARD
                          2.0¢
                          per dollar
                          No annual fee
                          Annual rewards$120
                          Net annual value$120
                          Bank of America Travel Rewards Credit Card for Students
                          21

                          Bank of America Travel Rewards Credit Card for Students

                          Bank Of America

                          1.5x Bank of America Points
                          1.5x × 1.0¢/pt = 1.5¢ per dollar

                          Why this card

                          1. 1.Universal Destinations & Experiences Benefits

                          No annual fee

                          VISA
                          1.5¢
                          per dollar
                          No annual fee
                          Annual rewards$90
                          Net annual value$90
                          Navy Federal Visa cashRewards Card
                          22

                          Navy Federal Visa cashRewards Card

                          Navy Federal

                          1.5% cash back

                          Why this card

                          1. 1.Universal Destinations & Experiences Benefits

                          No annual fee

                          VISA
                          1.5¢
                          per dollar
                          No annual fee
                          Annual rewards$90
                          Net annual value$90
                          Discover it® Miles
                          23

                          Discover it® Miles

                          Discover

                          1.5x Cashback
                          1.5x × 1.0¢/pt = 1.5¢ per dollar

                          Why this card

                            No annual fee

                            DISCOVER
                            1.5¢
                            per dollar
                            No annual fee
                            Annual rewards$90
                            Net annual value$90
                            Capital One QuicksilverOne Cash Rewards Credit Card
                            24

                            Capital One QuicksilverOne Cash Rewards Credit Card

                            Capital One

                            1.5% cash back
                            MASTERCARD
                            1.5¢
                            per dollar
                            $39/yr
                            Annual rewards$90
                            − Annual fee$39
                            Net annual value$51
                            Chase Sapphire Preferred Card
                            25

                            Chase Sapphire Preferred Card

                            Chase

                            1x Ultimate Rewards
                            1x × 1.8¢/pt = 1.8¢ per dollar

                            Why this card

                            1. 1.Universal Destinations & Experiences Benefits

                            $134 in credits fully offsets the $95 fee

                            VISA
                            1.8¢
                            per dollar
                            $95/yr($134 in credits)
                            Annual rewards$108
                            + Credits$134
                            − Annual fee$95
                            Net annual value$147
                            26

                            PenFed Pathfinder Rewards Visa Signature Card

                            Penfed

                            1.5x Penfed Honors Advantage
                            1.5x × 0.9¢/pt = 1.3¢ per dollar

                            Why this card

                            1. 1.Universal Destinations & Experiences Benefits

                            $50 in credits offset the $95 fee

                            VISA
                            1.3¢
                            per dollar
                            $95/yr($50 in credits)
                            Annual rewards$80.10
                            + Credits$50
                            − Annual fee$95
                            Net annual value$35.10
                            Marriott Bonvoy Bountiful Credit Card
                            27

                            Marriott Bonvoy Bountiful Credit Card

                            Chase

                            2x Marriott Bonvoy
                            2x × 0.7¢/pt = 1.4¢ per dollar

                            Why this card

                            1. 1.Universal Destinations & Experiences Benefits

                            $135 in credits offset the $250 fee

                            VISA
                            1.4¢
                            per dollar
                            $250/yr($135 in credits)
                            Annual rewards$84
                            + Credits$135
                            − Annual fee$250
                            Net annual value-$31
                            Hilton Honors American Express Card
                            28

                            Hilton Honors American Express Card

                            Amex

                            3x Hilton Honors
                            3x × 0.4¢/pt = 1.2¢ per dollar

                            Why this card

                              No annual fee

                              AMEX
                              1.2¢
                              per dollar
                              No annual fee
                              Annual rewards$72
                              Net annual value$72
                              Citi Strata Premier Card
                              29

                              Citi Strata Premier Card

                              Citi

                              1x ThankYou Points
                              1x × 1.6¢/pt = 1.6¢ per dollar

                              Why this card

                                $50 in credits offset the $95 fee

                                MASTERCARD
                                1.6¢
                                per dollar
                                $95/yr($50 in credits)
                                Annual rewards$96
                                + Credits$50
                                − Annual fee$95
                                Net annual value$51