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.
160 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Capital One
Why this card
No annual fee
American Express
Why this card
Link an Airbnb account in your name to your American Express online account and book prepaid through Amex Travel; Airbnb bookings made directly with Airbnb earn 1X.
Annual fee $895. Other listed credits: $250 Airbnb Experiences Credit (up to $250/yr); Airline Fee Credit (up to $200/yr); CLEAR Plus Credit (up to $219/yr); Digital Entertainment Credit (up to $300/yr); Equinox Credit (up to $300/yr); $600 Lodging Credit (FHR / Hotel Collection / Airbnb Luxe) (up to $600/yr); Global Entry or TSA PreCheck Credit (up to $120/4yr); Lululemon Credit (up to $300/yr); Oura Ring Credit (up to $200/yr); Resy Restaurant Credit (up to $400/yr); Uber Credit (up to $200/yr); Uber One Membership Credit (up to $120/yr); Walmart+ Membership Credit (up to $155/yr). 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
Annual fee $95. Other listed credits: Global Entry or TSA PreCheck 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
Annual fee $395. Other listed credits: Global Entry or TSA PreCheck Credit (up to $120/4yr); $300 Annual Capital One Travel Credit (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
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
Book eligible vacation rentals through Capital One Travel using this card; purchases outside the portal earn 1.5%.
No annual fee
Capital One
Why this card
Cardless
Why this card
Annual fee $495. Other listed credits: $200 of Bilt Cash (up to $200/yr); $400 Bilt Travel Hotel credit (up to $400). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Elan Financial
Why this card
No annual fee. Other listed credits: Global Entry or TSA PreCheck application fee 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
Why this card
No annual fee
Synchrony
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Why this card
Smartly Earning Bonus requires a U.S. 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
Wells Fargo
Why this card
No annual fee
Cardless
Why this card
No annual fee
Cardless
Why this card
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.
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.
Capital One
Why this card
No annual fee
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.
Capital One
Why this card
No annual fee
Why this card
No annual fee
Capital One
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Why this card
No annual fee
Discover
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
No annual fee
Why this card
No annual fee. Other listed credits: $10 Off Quarterly DoorDash Non-Restaurant Orders (up to $40/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
For vacation rentals, our top pick is the Capital One VentureOne Rewards, which earns 5x Capital One Miles, worth about 6.5¢ per dollar at our 1.3¢ valuation when bought through the card's portal. It has no annual fee. The Capital One VentureOne Rewards and Capital One Venture Rewards both earn 5x Capital One Miles; the Capital One VentureOne Rewards comes out ahead after fees at your spend.
