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.
13 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not travel?
Why this card
No annual fee
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.
Why this card
5% applies only if ground transportation is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
No annual fee
Bonus rate on first $2,000/quarterly, then base rate
U.S. Bank
Why this card
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
Annual fee $450. Other listed credits: 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
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
Why this card
No annual fee
U.S. Bank
Why this card
No annual fee
Why this card
No annual fee
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.
Why this card
