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.
170 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not flights?
Why this card
$240/yr value — Annual Travel Credit
American Express
Why this card
$300/yr value — $600 Lodging Credit (FHR / Hotel Collection / Airbnb Luxe)
$100/yr value — Airline Fee Credit
$120/yr value — Uber Credit
$60/yr value — Uber One Membership Credit
Est. $632.50/yr in usable credits offset part of the $895 fee — actual value depends on use and eligibility
Bonus rate on first $500,000/annual, then base rate
Why this card
$50/yr value — $100 Annual Hotel Credit
$25/yr value — Global Entry, TSA PreCheck or NEXUS Credit
Capital One
Why this card
$240/yr value — $300 Annual Capital One Travel Credit
$30/yr value — Global Entry or TSA PreCheck Credit
Why this card
$25/yr value — $50 annual statement credit
Why this card
$60/yr value — Annual Hotel Savings Benefit
Chase
Why this card
No annual fee
Why this card
No annual fee
BMO
Why this card
$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
Wells Fargo
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
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
U.S. Bank
Why this card
No annual fee
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
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
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
Why this card
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
American Express
Why this card
$60/yr value — $120 Uber Cash
Est. $152/yr in usable credits offset part of the $325 fee — actual value depends on use and eligibility
Why this card
$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
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
American Express
Why this card
$240/yr value — Hilton Resort Statement Credit
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
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.
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
Why this card
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.
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.
$60/yr value — Annual Airline Incidental Credit
$60/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
For flights, our top pick is the Chase Sapphire Reserve, which earns 8x Ultimate Rewards, worth about 14.4¢ per dollar at our 1.8¢ valuation when bought through the card's portal. It has a $795 annual fee and comes with $1,464 a year in credits, of which we count $588 as typically used. If you'd rather not pay a fee, the Chase Freedom Flex earns 5% cash back, 5.0¢ per dollar when bought through the card's portal.
