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.
64 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Why this card
No annual fee
Elan Financial
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
FNBO
Why this card
No annual fee
American Express
Why this card
Annual fee $95. Other listed credits: Disney Bundle Credit (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $6,000/annual, then base rate
Why this card
No annual fee
Why this card
No annual fee
Bonus rate on first $3,000/annual, then base rate
WebBank
Why this card
Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. -$15 ($400 initial limit (first year)) or -$41 ($500 initial limit (first year)) or -$91 ($700 or $1,000 initial limit (first year)). Ranked assuming the $175 $700 or $1,000 initial limit (first year) fee; your fee depends on the version you are approved for.
net est. -$15 ($400 initial limit (first year)) or -$41 ($500 initial limit (first year)) or -$91 ($700 or $1,000 initial limit (first year))
TD Bank
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Bank of America
Why this card
No annual fee
Why this card
No annual fee
Capital One
Why this card
No annual fee
Why this card
No annual fee
Synchrony
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Why this card
No annual fee
Why this card
American Express
Why this card
No annual fee. Other listed credits: $84 Disney Streaming Credit (up to $7/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $6,000/annual, then base rate
Capital One
Why this card
No annual fee
Capital One
Why this card
No annual fee
Why this card
Excludes Walmart, Target, and warehouse clubs
No annual fee
Why this card
No annual fee. Other listed credits: DashPass Anniversary bonus (up to $96/yr; requires $10,000 eligible spend within 12 months). 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
Why this card
2% applies only if restaurants is the one everyday category you choose each quarter. 2% applies only if gas stations and EV charging is the one everyday category you choose each quarter. 2% applies only if grocery stores and grocery delivery is the one everyday category you choose each quarter.
No annual fee
