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  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy
dining no foreign transaction fee

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy

Results from

$6,000

Scoring mode

Options

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Booking

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Resolved as:Financial+1 more
Cached
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150 matches3263ms
American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Financial
4x × 1.8¢/pt = 3.6¢ per dollar

Why this card

  1. 1.4x on Financial Benefits — points worth 1.8¢ each ($216/yr on $6,000 spend)
  2. 2.$60/yr $120 Dining Credit
  3. 3.$50/yr $100 Resy Credit
  4. 4.$42/yr $84 Dunkin' Credit

$18 in credits offset the $325 fee

Amex has limited international acceptance — carry a Visa/Mastercard backup

AMEX
Core Rate
3.6¢
per dollar on financial
$325/yr($18 in credits)
Annual rewards$216
+ Credits$18
\u2212 Annual fee$325
Net annual value-$91

Bonus rate on first $50,000/annual, then base rate

Chase Sapphire Preferred Card
2

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Financial
3x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
  2. 2.$60/yr Complimentary DashPass Membership
  3. 3.$24/yr DoorDash DashPass benefits

$3.30 in credits offset the $95 fee

VISA
Core Rate
2.7¢
per dollar on financial
$95/yr($3.30 in credits)
Annual rewards$162.00
+ Credits$3.30
\u2212 Annual fee$95
Net annual value$70.30
Bilt Blue Card
3

Bilt Blue Card

Cardless

3x Bilt Rewards on Financial
3x × 2.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
  2. 2.$50/yr 10% Intro APR for 12 Months

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on financial
No annual fee
Annual rewards$180
Net annual value$180
No image
4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Financial
2x × 1.9¢/pt = 3.1¢ per dollar

Why this card

    $16.50 in credits offset the $395 fee

    VISA
    3.1¢
    per dollar on financial
    $395/yr($16.50 in credits)
    Annual rewards$188.70
    + Credits$16.50
    \u2212 Annual fee$395
    Net annual value-$189.80
    Bilt Obsidian Card
    5

    Bilt Obsidian Card

    Cardless

    3x Bilt Rewards on Financial
    3x × 2.0¢/pt = 3.0¢ per dollar

    Why this card

    1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
    2. 2.$20/yr 10% Intro APR on Purchases
    3. 3.$30/yr Instacart+ Savings

    $5 in credits offset the $95 fee

    MASTERCARD
    Core Rate
    3.0¢
    per dollar on financial
    $95/yr($5 in credits)
    Annual rewards$180
    + Credits$5
    \u2212 Annual fee$95
    Net annual value$90
    Citi Custom Cash Card
    6

    Citi Custom Cash Card

    Citi

    5% cash back on Financial

    Why this card

    1. 1.5% cash back on Financial Benefits ($150/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings
    3. 3.$30/yr DashPass Subscription

    No annual fee

    MASTERCARD
    Core Rate
    2.5¢
    per dollar on financial
    No annual fee($9 in credits)
    Annual rewards$150
    + Credits$9
    Net annual value$159

    Bonus rate on first $500/monthly, then base rate

    Bank of America® Unlimited Cash Rewards for Students
    7

    Bank of America® Unlimited Cash Rewards for Students

    Bank Of America

    2% cash back on Financial

    Why this card

    1. 1.$200/yr $200 Cash Rewards Bonus
    2. 2.$150/yr 0% Intro APR for 15 Billing Cycles

    No annual fee

    VISA
    1.7¢
    per dollar on financial
    No annual fee($0.80 in credits)
    Annual rewards$102
    + Credits$0.80
    Net annual value$102.80
    Wells Fargo Autograph Visa Credit Card
    8

    Wells Fargo Autograph Visa Credit Card

    Wells Fargo

    3x Wells Fargo Rewards on Financial
    3x × 1.5¢/pt = 2.3¢ per dollar

    Why this card

    1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.3¢
    per dollar on financial
    No annual fee($0.80 in credits)
    Annual rewards$135
    + Credits$0.80
    Net annual value$135.80
    Rakuten American Express Card
    9

    Rakuten American Express Card

    First Electronic Bank

    2% cash back on Financial

    Convertible Cash Back — 2.0–4.0¢/$

    This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

    Why this card

    1. 1.2% cash back on Financial Benefits ($94/yr on $6,000 spend)
    2. 2.Amex Offers
    3. 3.Cash back converts at 1.6¢ avg — 1.6× cash value

    No annual fee

    Amex has limited international acceptance — carry a Visa/Mastercard backup

    AMEX
    Convertible
    Core Rate
    2.0–4.0¢
    per dollar on financial
    depending on redemption
    No annual fee
    Annual rewards$94
    Net annual value$94
    Chase Freedom Flex
    10

    Chase Freedom Flex

    Chase

    3% cash back on Financial

    Why this card

    1. 1.3% cash back on Financial Benefits ($90/yr on $6,000 spend)
    2. 2.$20/yr DoorDash
    3. 3.$30/yr DashPass Subscription

    No annual fee

    Promotional rate — may be time-limited

    MASTERCARD
    Promotional
    1.5¢
    per dollar on financial
    No annual fee
    Annual rewards$90
    Net annual value$90

    Bonus rate on first $1,500/quarterly, then base rate

    No image
    11

    Bilt Palladium Card

    Cardless

    3x Bilt Rewards on Financial
    3x × 2.0¢/pt = 3.0¢ per dollar

    Why this card

    1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $20 in credits offset the $495 fee

    MASTERCARD
    Core Rate
    3.0¢
    per dollar on financial
    $495/yr($20 in credits)
    Annual rewards$180
    + Credits$20
    \u2212 Annual fee$495
    Net annual value-$295
    Capital One Savor Cash Rewards Credit Card
    12

    Capital One Savor Cash Rewards Credit Card

    Capital One

    4% cash back on Financial

    Why this card

    1. 1.4% cash back on Financial Benefits ($120/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    No annual fee

    MASTERCARD
    Core Rate
    2.0¢
    per dollar on financial
    No annual fee($35.96 in credits)
    Annual rewards$120
    + Credits$35.96
    Net annual value$155.96
    American Express Green Card
    13

    American Express Green Card

    Amex

    3x Membership Rewards on Financial
    3x × 1.8¢/pt = 2.7¢ per dollar

    Why this card

    1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)

    $9.45 in credits offset the $150 fee

    Amex has limited international acceptance — carry a Visa/Mastercard backup

    AMEX
    Core Rate
    2.7¢
    per dollar on financial
    $150/yr($9.45 in credits)
    Annual rewards$162.00
    + Credits$9.45
    \u2212 Annual fee$150
    Net annual value$21.45
    Citi Strata Elite℠ Card
    14

    Citi Strata Elite℠ Card

    Citi

    3x ThankYou Points on Financial
    3x × 1.5¢/pt = 2.3¢ per dollar

    Why this card

    1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)
    2. 2.$357/yr Citigold® Private Client Relationship Credit
    3. 3.$150/yr Up to $200 Annual Splurge Credit℠
    4. 4.$100/yr Up to $200 Annual Blacklane® Credit
    5. 5.$30/yr Instacart+ Savings

    $16.50 in credits offset the $595 fee

    MASTERCARD
    Core Rate
    2.3¢
    per dollar on financial
    $595/yr($16.50 in credits)
    Annual rewards$135
    + Credits$16.50
    \u2212 Annual fee$595
    Net annual value-$443.50
    No image
    15

    BMO Escape

    Bmo

    4x points on Financial

    Why this card

    1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)
    2. 2.BMO CreditView

    $24.50 in credits offset the $150 fee

    MASTERCARD
    Core Rate
    2.0¢
    per dollar on financial
    $150/yr($24.50 in credits)
    Annual rewards$120
    + Credits$24.50
    \u2212 Annual fee$150
    Net annual value-$5.50

    Bonus rate on first $3,000/quarterly, then base rate

    Pottery Barn Key Rewards Visa
    16

    Pottery Barn Key Rewards Visa

    Capital One

    4x points on Financial

    Why this card

    1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.0¢
    per dollar on financial
    No annual fee($0.80 in credits)
    Annual rewards$120
    + Credits$0.80
    Net annual value$120.80
    U.S. Bank Altitude Go Visa Signature Card
    17

    U.S. Bank Altitude Go Visa Signature Card

    Usbank

    4x Usbank Altitude Rewards on Financial
    4x × 1.0¢/pt = 2.0¢ per dollar

    Why this card

    1. 1.4x on Financial Benefits — points worth 1.0¢ each ($120/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.0¢
    per dollar on financial
    No annual fee($0.80 in credits)
    Annual rewards$120
    + Credits$0.80
    Net annual value$120.80

    Bonus rate on first $2,000/quarterly, then base rate

    No image
    18

    Verizon Visa Card

    Synchrony

    4% cash back on Financial

    Why this card

    1. 1.4% cash back on Financial Benefits ($120/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.0¢
    per dollar on financial
    No annual fee($0.80 in credits)
    Annual rewards$120
    + Credits$0.80
    Net annual value$120.80
    Capital One VentureOne Rewards Credit Card
    19

    Capital One VentureOne Rewards Credit Card

    Capital One

    1.25x Venture Miles on Financial
    1.25x × 1.9¢/pt = 2.0¢ per dollar

    Why this card

      No annual fee

      MASTERCARD
      2.0¢
      per dollar on financial
      No annual fee
      Annual rewards$117.94
      Net annual value$117.94
      Bank of America Unlimited Cash Rewards Credit Card
      20

      Bank of America Unlimited Cash Rewards Credit Card

      Bank Of America

      2% cash back on Financial

      Why this card

      1. 1.$40/yr 0% Intro APR for 15 Months
      2. 2.$30/yr Balance Transfer Capability with Low Intro Fee

      No annual fee

      VISA
      1.7¢
      per dollar on financial
      No annual fee($0.80 in credits)
      Annual rewards$102
      + Credits$0.80
      Net annual value$102.80
      No image
      21

      Wyndham Rewards Earner Plus Card

      Barclays

      4x Wyndham Rewards on Financial
      4x × 1.0¢/pt = 2.0¢ per dollar

      Why this card

      1. 1.4x on Financial Benefits — points worth 1.0¢ each ($120/yr on $6,000 spend)

      $0.80 in credits offset the $75 fee

      VISA
      Core Rate
      2.0¢
      per dollar on financial
      $75/yr($0.80 in credits)
      Annual rewards$120
      + Credits$0.80
      \u2212 Annual fee$75
      Net annual value$45.80
      Citi Strata Premier Card
      22

      Citi Strata Premier Card

      Citi

      3x ThankYou Points on Financial
      3x × 1.5¢/pt = 2.3¢ per dollar

      Why this card

      1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

      $5 in credits offset the $95 fee

      MASTERCARD
      Core Rate
      2.3¢
      per dollar on financial
      $95/yr($5 in credits)
      Annual rewards$135
      + Credits$5
      \u2212 Annual fee$95
      Net annual value$45
      Wells Fargo Autograph Journey Visa Credit Card
      23

      Wells Fargo Autograph Journey Visa Credit Card

      Wells Fargo

      3x Wells Fargo Rewards on Financial
      3x × 1.5¢/pt = 2.3¢ per dollar

      Why this card

      1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

      $0.80 in credits offset the $95 fee

      VISA
      Core Rate
      2.3¢
      per dollar on financial
      $95/yr($0.80 in credits)
      Annual rewards$135
      + Credits$0.80
      \u2212 Annual fee$95
      Net annual value$40.80
      Susan G. Komen® Customized Cash Rewards
      24

      Susan G. Komen® Customized Cash Rewards

      Bank Of America

      3x points on Financial

      Why this card

      1. 1.3x on Financial Benefits ($90/yr on $6,000 spend)
      2. 2.$100/yr 0% Intro APR for 15 Billing Cycles

      No annual fee

      VISA
      Core Rate
      1.5¢
      per dollar on financial
      No annual fee($0.80 in credits)
      Annual rewards$90
      + Credits$0.80
      Net annual value$90.80

      Bonus rate on first $2,500/quarterly, then base rate

      No image
      25

      Firstcard Secured Credit Builder Card

      Firstcard

      1.5% cash back on Financial

      Why this card

      1. 1.$50/yr Credit Building Without Credit Check

      No annual fee

      VISA
      1.3¢
      per dollar on financial
      No annual fee
      Annual rewards$76.50
      Net annual value$76.50
      Ralphs Rewards World Elite Mastercard®
      26

      Ralphs Rewards World Elite Mastercard®

      Usbank

      3x points on Financial

      Why this card

      1. 1.3x on Financial Benefits ($90/yr on $6,000 spend)
      2. 2.$25/yr $100 in Statement Credits
      3. 3.$30/yr Instacart+ Savings

      No annual fee

      MASTERCARD
      Core Rate
      1.5¢
      per dollar on financial
      No annual fee
      Annual rewards$90
      Net annual value$90

      Bonus rate on first $6,000/annual, then base rate

      Chase Sapphire Reserve
      27

      Chase Sapphire Reserve

      Chase

      3x Ultimate Rewards on Financial
      3x × 1.8¢/pt = 2.7¢ per dollar

      Why this card

      1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
      2. 2.$25/yr Exclusive Tables Dining Credit
      3. 3.$25/yr DoorDash DashPass & Credits

      $111 in credits offset the $795 fee

      VISA
      Core Rate
      2.7¢
      per dollar on financial
      $795/yr($111 in credits)
      Annual rewards$162.00
      + Credits$111
      \u2212 Annual fee$795
      Net annual value-$522
      U.S. Bank Altitude Go® Secured Visa® Signature
      28

      U.S. Bank Altitude Go® Secured Visa® Signature

      Usbank

      4x points on Financial

      Why this card

      1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)

      No annual fee

      VISA
      Core Rate
      2.0¢
      per dollar on financial
      No annual fee($0.80 in credits)
      Annual rewards$120
      + Credits$0.80
      Net annual value$120.80
      IHG One Rewards Premier Credit Card
      29

      IHG One Rewards Premier Credit Card

      Chase

      5x Ihg One Rewards on Financial
      5x × 0.6¢/pt = 1.5¢ per dollar

      Why this card

      1. 1.5x on Financial Benefits — points worth 0.6¢ each ($90/yr on $6,000 spend)
      2. 2.$30/yr Complimentary DashPass Membership
      3. 3.$30/yr Instacart+ Savings
      4. 4.$15/yr Instacart+ Membership & Credit

      $1.50 in credits offset the $99 fee

      MASTERCARD
      Core Rate
      1.5¢
      per dollar on financial
      $99/yr($1.50 in credits)
      Annual rewards$90
      + Credits$1.50
      \u2212 Annual fee$99
      Net annual value-$7.50
      BMO Premium Rewards Mastercard®
      30

      BMO Premium Rewards Mastercard®

      Bmo

      4x points on Financial

      Why this card

      1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)
      2. 2.No Foreign Transaction Fees
      MASTERCARD
      Core Rate
      2.0¢
      per dollar on financial
      $95/yr
      Annual rewards$120
      \u2212 Annual fee$95
      Net annual value$25

      Bonus rate on first $2,000/quarterly, then base rate

      Results from

      $6,000

      Scoring mode

      Options

      Point valuation

      Booking

      Rewards

      Programs

      Networks

      Refine results

      How do you usually dine?

      Do you use DashPass or Uber One?

      Do you use Resy for reservations?

      No annual fee only?

      Avoid Amex network?

      Resolved as:Financial+1 more
      Cached
      70%
      150 matches3263ms
      American Express Gold Card
      1

      American Express Gold Card

      Amex

      4x Membership Rewards on Financial
      4x × 1.8¢/pt = 3.6¢ per dollar

      Why this card

      1. 1.4x on Financial Benefits — points worth 1.8¢ each ($216/yr on $6,000 spend)
      2. 2.$60/yr $120 Dining Credit
      3. 3.$50/yr $100 Resy Credit
      4. 4.$42/yr $84 Dunkin' Credit

      $18 in credits offset the $325 fee

      Amex has limited international acceptance — carry a Visa/Mastercard backup

      AMEX
      Core Rate
      3.6¢
      per dollar on financial
      $325/yr($18 in credits)
      Annual rewards$216
      + Credits$18
      \u2212 Annual fee$325
      Net annual value-$91

      Bonus rate on first $50,000/annual, then base rate

      Chase Sapphire Preferred Card
      2

      Chase Sapphire Preferred Card

      Chase

      3x Ultimate Rewards on Financial
      3x × 1.8¢/pt = 2.7¢ per dollar

      Why this card

      1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
      2. 2.$60/yr Complimentary DashPass Membership
      3. 3.$24/yr DoorDash DashPass benefits

      $3.30 in credits offset the $95 fee

      VISA
      Core Rate
      2.7¢
      per dollar on financial
      $95/yr($3.30 in credits)
      Annual rewards$162.00
      + Credits$3.30
      \u2212 Annual fee$95
      Net annual value$70.30
      Bilt Blue Card
      3

      Bilt Blue Card

      Cardless

      3x Bilt Rewards on Financial
      3x × 2.0¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
      2. 2.$50/yr 10% Intro APR for 12 Months

      No annual fee

      MASTERCARD
      Core Rate
      3.0¢
      per dollar on financial
      No annual fee
      Annual rewards$180
      Net annual value$180
      No image
      4

      Capital One Venture X Rewards Credit Card

      Capital One

      2x Venture Miles on Financial
      2x × 1.9¢/pt = 3.1¢ per dollar

      Why this card

        $16.50 in credits offset the $395 fee

        VISA
        3.1¢
        per dollar on financial
        $395/yr($16.50 in credits)
        Annual rewards$188.70
        + Credits$16.50
        \u2212 Annual fee$395
        Net annual value-$189.80
        Bilt Obsidian Card
        5

        Bilt Obsidian Card

        Cardless

        3x Bilt Rewards on Financial
        3x × 2.0¢/pt = 3.0¢ per dollar

        Why this card

        1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
        2. 2.$20/yr 10% Intro APR on Purchases
        3. 3.$30/yr Instacart+ Savings

        $5 in credits offset the $95 fee

        MASTERCARD
        Core Rate
        3.0¢
        per dollar on financial
        $95/yr($5 in credits)
        Annual rewards$180
        + Credits$5
        \u2212 Annual fee$95
        Net annual value$90
        Citi Custom Cash Card
        6

        Citi Custom Cash Card

        Citi

        5% cash back on Financial

        Why this card

        1. 1.5% cash back on Financial Benefits ($150/yr on $6,000 spend)
        2. 2.$30/yr Instacart+ Savings
        3. 3.$30/yr DashPass Subscription

        No annual fee

        MASTERCARD
        Core Rate
        2.5¢
        per dollar on financial
        No annual fee($9 in credits)
        Annual rewards$150
        + Credits$9
        Net annual value$159

        Bonus rate on first $500/monthly, then base rate

        Bank of America® Unlimited Cash Rewards for Students
        7

        Bank of America® Unlimited Cash Rewards for Students

        Bank Of America

        2% cash back on Financial

        Why this card

        1. 1.$200/yr $200 Cash Rewards Bonus
        2. 2.$150/yr 0% Intro APR for 15 Billing Cycles

        No annual fee

        VISA
        1.7¢
        per dollar on financial
        No annual fee($0.80 in credits)
        Annual rewards$102
        + Credits$0.80
        Net annual value$102.80
        Wells Fargo Autograph Visa Credit Card
        8

        Wells Fargo Autograph Visa Credit Card

        Wells Fargo

        3x Wells Fargo Rewards on Financial
        3x × 1.5¢/pt = 2.3¢ per dollar

        Why this card

        1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

        No annual fee

        VISA
        Core Rate
        2.3¢
        per dollar on financial
        No annual fee($0.80 in credits)
        Annual rewards$135
        + Credits$0.80
        Net annual value$135.80
        Rakuten American Express Card
        9

        Rakuten American Express Card

        First Electronic Bank

        2% cash back on Financial

        Convertible Cash Back — 2.0–4.0¢/$

        This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

        Why this card

        1. 1.2% cash back on Financial Benefits ($94/yr on $6,000 spend)
        2. 2.Amex Offers
        3. 3.Cash back converts at 1.6¢ avg — 1.6× cash value

        No annual fee

        Amex has limited international acceptance — carry a Visa/Mastercard backup

        AMEX
        Convertible
        Core Rate
        2.0–4.0¢
        per dollar on financial
        depending on redemption
        No annual fee
        Annual rewards$94
        Net annual value$94
        Chase Freedom Flex
        10

        Chase Freedom Flex

        Chase

        3% cash back on Financial

        Why this card

        1. 1.3% cash back on Financial Benefits ($90/yr on $6,000 spend)
        2. 2.$20/yr DoorDash
        3. 3.$30/yr DashPass Subscription

        No annual fee

        Promotional rate — may be time-limited

        MASTERCARD
        Promotional
        1.5¢
        per dollar on financial
        No annual fee
        Annual rewards$90
        Net annual value$90

        Bonus rate on first $1,500/quarterly, then base rate

        No image
        11

        Bilt Palladium Card

        Cardless

        3x Bilt Rewards on Financial
        3x × 2.0¢/pt = 3.0¢ per dollar

        Why this card

        1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
        2. 2.$30/yr Instacart+ Savings

        $20 in credits offset the $495 fee

        MASTERCARD
        Core Rate
        3.0¢
        per dollar on financial
        $495/yr($20 in credits)
        Annual rewards$180
        + Credits$20
        \u2212 Annual fee$495
        Net annual value-$295
        Capital One Savor Cash Rewards Credit Card
        12

        Capital One Savor Cash Rewards Credit Card

        Capital One

        4% cash back on Financial

        Why this card

        1. 1.4% cash back on Financial Benefits ($120/yr on $6,000 spend)
        2. 2.$30/yr Instacart+ Savings

        No annual fee

        MASTERCARD
        Core Rate
        2.0¢
        per dollar on financial
        No annual fee($35.96 in credits)
        Annual rewards$120
        + Credits$35.96
        Net annual value$155.96
        American Express Green Card
        13

        American Express Green Card

        Amex

        3x Membership Rewards on Financial
        3x × 1.8¢/pt = 2.7¢ per dollar

        Why this card

        1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)

        $9.45 in credits offset the $150 fee

        Amex has limited international acceptance — carry a Visa/Mastercard backup

        AMEX
        Core Rate
        2.7¢
        per dollar on financial
        $150/yr($9.45 in credits)
        Annual rewards$162.00
        + Credits$9.45
        \u2212 Annual fee$150
        Net annual value$21.45
        Citi Strata Elite℠ Card
        14

        Citi Strata Elite℠ Card

        Citi

        3x ThankYou Points on Financial
        3x × 1.5¢/pt = 2.3¢ per dollar

        Why this card

        1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)
        2. 2.$357/yr Citigold® Private Client Relationship Credit
        3. 3.$150/yr Up to $200 Annual Splurge Credit℠
        4. 4.$100/yr Up to $200 Annual Blacklane® Credit
        5. 5.$30/yr Instacart+ Savings

        $16.50 in credits offset the $595 fee

        MASTERCARD
        Core Rate
        2.3¢
        per dollar on financial
        $595/yr($16.50 in credits)
        Annual rewards$135
        + Credits$16.50
        \u2212 Annual fee$595
        Net annual value-$443.50
        No image
        15

        BMO Escape

        Bmo

        4x points on Financial

        Why this card

        1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)
        2. 2.BMO CreditView

        $24.50 in credits offset the $150 fee

        MASTERCARD
        Core Rate
        2.0¢
        per dollar on financial
        $150/yr($24.50 in credits)
        Annual rewards$120
        + Credits$24.50
        \u2212 Annual fee$150
        Net annual value-$5.50

        Bonus rate on first $3,000/quarterly, then base rate

        Pottery Barn Key Rewards Visa
        16

        Pottery Barn Key Rewards Visa

        Capital One

        4x points on Financial

        Why this card

        1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)

        No annual fee

        VISA
        Core Rate
        2.0¢
        per dollar on financial
        No annual fee($0.80 in credits)
        Annual rewards$120
        + Credits$0.80
        Net annual value$120.80
        U.S. Bank Altitude Go Visa Signature Card
        17

        U.S. Bank Altitude Go Visa Signature Card

        Usbank

        4x Usbank Altitude Rewards on Financial
        4x × 1.0¢/pt = 2.0¢ per dollar

        Why this card

        1. 1.4x on Financial Benefits — points worth 1.0¢ each ($120/yr on $6,000 spend)

        No annual fee

        VISA
        Core Rate
        2.0¢
        per dollar on financial
        No annual fee($0.80 in credits)
        Annual rewards$120
        + Credits$0.80
        Net annual value$120.80

        Bonus rate on first $2,000/quarterly, then base rate

        No image
        18

        Verizon Visa Card

        Synchrony

        4% cash back on Financial

        Why this card

        1. 1.4% cash back on Financial Benefits ($120/yr on $6,000 spend)

        No annual fee

        VISA
        Core Rate
        2.0¢
        per dollar on financial
        No annual fee($0.80 in credits)
        Annual rewards$120
        + Credits$0.80
        Net annual value$120.80
        Capital One VentureOne Rewards Credit Card
        19

        Capital One VentureOne Rewards Credit Card

        Capital One

        1.25x Venture Miles on Financial
        1.25x × 1.9¢/pt = 2.0¢ per dollar

        Why this card

          No annual fee

          MASTERCARD
          2.0¢
          per dollar on financial
          No annual fee
          Annual rewards$117.94
          Net annual value$117.94
          Bank of America Unlimited Cash Rewards Credit Card
          20

          Bank of America Unlimited Cash Rewards Credit Card

          Bank Of America

          2% cash back on Financial

          Why this card

          1. 1.$40/yr 0% Intro APR for 15 Months
          2. 2.$30/yr Balance Transfer Capability with Low Intro Fee

          No annual fee

          VISA
          1.7¢
          per dollar on financial
          No annual fee($0.80 in credits)
          Annual rewards$102
          + Credits$0.80
          Net annual value$102.80
          No image
          21

          Wyndham Rewards Earner Plus Card

          Barclays

          4x Wyndham Rewards on Financial
          4x × 1.0¢/pt = 2.0¢ per dollar

          Why this card

          1. 1.4x on Financial Benefits — points worth 1.0¢ each ($120/yr on $6,000 spend)

          $0.80 in credits offset the $75 fee

          VISA
          Core Rate
          2.0¢
          per dollar on financial
          $75/yr($0.80 in credits)
          Annual rewards$120
          + Credits$0.80
          \u2212 Annual fee$75
          Net annual value$45.80
          Citi Strata Premier Card
          22

          Citi Strata Premier Card

          Citi

          3x ThankYou Points on Financial
          3x × 1.5¢/pt = 2.3¢ per dollar

          Why this card

          1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

          $5 in credits offset the $95 fee

          MASTERCARD
          Core Rate
          2.3¢
          per dollar on financial
          $95/yr($5 in credits)
          Annual rewards$135
          + Credits$5
          \u2212 Annual fee$95
          Net annual value$45
          Wells Fargo Autograph Journey Visa Credit Card
          23

          Wells Fargo Autograph Journey Visa Credit Card

          Wells Fargo

          3x Wells Fargo Rewards on Financial
          3x × 1.5¢/pt = 2.3¢ per dollar

          Why this card

          1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

          $0.80 in credits offset the $95 fee

          VISA
          Core Rate
          2.3¢
          per dollar on financial
          $95/yr($0.80 in credits)
          Annual rewards$135
          + Credits$0.80
          \u2212 Annual fee$95
          Net annual value$40.80
          Susan G. Komen® Customized Cash Rewards
          24

          Susan G. Komen® Customized Cash Rewards

          Bank Of America

          3x points on Financial

          Why this card

          1. 1.3x on Financial Benefits ($90/yr on $6,000 spend)
          2. 2.$100/yr 0% Intro APR for 15 Billing Cycles

          No annual fee

          VISA
          Core Rate
          1.5¢
          per dollar on financial
          No annual fee($0.80 in credits)
          Annual rewards$90
          + Credits$0.80
          Net annual value$90.80

          Bonus rate on first $2,500/quarterly, then base rate

          No image
          25

          Firstcard Secured Credit Builder Card

          Firstcard

          1.5% cash back on Financial

          Why this card

          1. 1.$50/yr Credit Building Without Credit Check

          No annual fee

          VISA
          1.3¢
          per dollar on financial
          No annual fee
          Annual rewards$76.50
          Net annual value$76.50
          Ralphs Rewards World Elite Mastercard®
          26

          Ralphs Rewards World Elite Mastercard®

          Usbank

          3x points on Financial

          Why this card

          1. 1.3x on Financial Benefits ($90/yr on $6,000 spend)
          2. 2.$25/yr $100 in Statement Credits
          3. 3.$30/yr Instacart+ Savings

          No annual fee

          MASTERCARD
          Core Rate
          1.5¢
          per dollar on financial
          No annual fee
          Annual rewards$90
          Net annual value$90

          Bonus rate on first $6,000/annual, then base rate

          Chase Sapphire Reserve
          27

          Chase Sapphire Reserve

          Chase

          3x Ultimate Rewards on Financial
          3x × 1.8¢/pt = 2.7¢ per dollar

          Why this card

          1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
          2. 2.$25/yr Exclusive Tables Dining Credit
          3. 3.$25/yr DoorDash DashPass & Credits

          $111 in credits offset the $795 fee

          VISA
          Core Rate
          2.7¢
          per dollar on financial
          $795/yr($111 in credits)
          Annual rewards$162.00
          + Credits$111
          \u2212 Annual fee$795
          Net annual value-$522
          U.S. Bank Altitude Go® Secured Visa® Signature
          28

          U.S. Bank Altitude Go® Secured Visa® Signature

          Usbank

          4x points on Financial

          Why this card

          1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)

          No annual fee

          VISA
          Core Rate
          2.0¢
          per dollar on financial
          No annual fee($0.80 in credits)
          Annual rewards$120
          + Credits$0.80
          Net annual value$120.80
          IHG One Rewards Premier Credit Card
          29

          IHG One Rewards Premier Credit Card

          Chase

          5x Ihg One Rewards on Financial
          5x × 0.6¢/pt = 1.5¢ per dollar

          Why this card

          1. 1.5x on Financial Benefits — points worth 0.6¢ each ($90/yr on $6,000 spend)
          2. 2.$30/yr Complimentary DashPass Membership
          3. 3.$30/yr Instacart+ Savings
          4. 4.$15/yr Instacart+ Membership & Credit

          $1.50 in credits offset the $99 fee

          MASTERCARD
          Core Rate
          1.5¢
          per dollar on financial
          $99/yr($1.50 in credits)
          Annual rewards$90
          + Credits$1.50
          \u2212 Annual fee$99
          Net annual value-$7.50
          BMO Premium Rewards Mastercard®
          30

          BMO Premium Rewards Mastercard®

          Bmo

          4x points on Financial

          Why this card

          1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)
          2. 2.No Foreign Transaction Fees
          MASTERCARD
          Core Rate
          2.0¢
          per dollar on financial
          $95/yr
          Annual rewards$120
          \u2212 Annual fee$95
          Net annual value$25

          Bonus rate on first $2,000/quarterly, then base rate

          Results from

          $6,000

          Scoring mode

          Options

          Point valuation

          Booking

          Rewards

          Programs

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          Refine results

          How do you usually dine?

          Do you use DashPass or Uber One?

          Do you use Resy for reservations?

          No annual fee only?

          Avoid Amex network?

          Resolved as:Financial+1 more
          Cached
          70%
          150 matches3263ms
          American Express Gold Card
          1

          American Express Gold Card

          Amex

          4x Membership Rewards on Financial
          4x × 1.8¢/pt = 3.6¢ per dollar

          Why this card

          1. 1.4x on Financial Benefits — points worth 1.8¢ each ($216/yr on $6,000 spend)
          2. 2.$60/yr $120 Dining Credit
          3. 3.$50/yr $100 Resy Credit
          4. 4.$42/yr $84 Dunkin' Credit

          $18 in credits offset the $325 fee

          Amex has limited international acceptance — carry a Visa/Mastercard backup

          AMEX
          Core Rate
          3.6¢
          per dollar on financial
          $325/yr($18 in credits)
          Annual rewards$216
          + Credits$18
          \u2212 Annual fee$325
          Net annual value-$91

          Bonus rate on first $50,000/annual, then base rate

          Chase Sapphire Preferred Card
          2

          Chase Sapphire Preferred Card

          Chase

          3x Ultimate Rewards on Financial
          3x × 1.8¢/pt = 2.7¢ per dollar

          Why this card

          1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
          2. 2.$60/yr Complimentary DashPass Membership
          3. 3.$24/yr DoorDash DashPass benefits

          $3.30 in credits offset the $95 fee

          VISA
          Core Rate
          2.7¢
          per dollar on financial
          $95/yr($3.30 in credits)
          Annual rewards$162.00
          + Credits$3.30
          \u2212 Annual fee$95
          Net annual value$70.30
          Bilt Blue Card
          3

          Bilt Blue Card

          Cardless

          3x Bilt Rewards on Financial
          3x × 2.0¢/pt = 3.0¢ per dollar

          Why this card

          1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
          2. 2.$50/yr 10% Intro APR for 12 Months

          No annual fee

          MASTERCARD
          Core Rate
          3.0¢
          per dollar on financial
          No annual fee
          Annual rewards$180
          Net annual value$180
          No image
          4

          Capital One Venture X Rewards Credit Card

          Capital One

          2x Venture Miles on Financial
          2x × 1.9¢/pt = 3.1¢ per dollar

          Why this card

            $16.50 in credits offset the $395 fee

            VISA
            3.1¢
            per dollar on financial
            $395/yr($16.50 in credits)
            Annual rewards$188.70
            + Credits$16.50
            \u2212 Annual fee$395
            Net annual value-$189.80
            Bilt Obsidian Card
            5

            Bilt Obsidian Card

            Cardless

            3x Bilt Rewards on Financial
            3x × 2.0¢/pt = 3.0¢ per dollar

            Why this card

            1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
            2. 2.$20/yr 10% Intro APR on Purchases
            3. 3.$30/yr Instacart+ Savings

            $5 in credits offset the $95 fee

            MASTERCARD
            Core Rate
            3.0¢
            per dollar on financial
            $95/yr($5 in credits)
            Annual rewards$180
            + Credits$5
            \u2212 Annual fee$95
            Net annual value$90
            Citi Custom Cash Card
            6

            Citi Custom Cash Card

            Citi

            5% cash back on Financial

            Why this card

            1. 1.5% cash back on Financial Benefits ($150/yr on $6,000 spend)
            2. 2.$30/yr Instacart+ Savings
            3. 3.$30/yr DashPass Subscription

            No annual fee

            MASTERCARD
            Core Rate
            2.5¢
            per dollar on financial
            No annual fee($9 in credits)
            Annual rewards$150
            + Credits$9
            Net annual value$159

            Bonus rate on first $500/monthly, then base rate

            Bank of America® Unlimited Cash Rewards for Students
            7

            Bank of America® Unlimited Cash Rewards for Students

            Bank Of America

            2% cash back on Financial

            Why this card

            1. 1.$200/yr $200 Cash Rewards Bonus
            2. 2.$150/yr 0% Intro APR for 15 Billing Cycles

            No annual fee

            VISA
            1.7¢
            per dollar on financial
            No annual fee($0.80 in credits)
            Annual rewards$102
            + Credits$0.80
            Net annual value$102.80
            Wells Fargo Autograph Visa Credit Card
            8

            Wells Fargo Autograph Visa Credit Card

            Wells Fargo

            3x Wells Fargo Rewards on Financial
            3x × 1.5¢/pt = 2.3¢ per dollar

            Why this card

            1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

            No annual fee

            VISA
            Core Rate
            2.3¢
            per dollar on financial
            No annual fee($0.80 in credits)
            Annual rewards$135
            + Credits$0.80
            Net annual value$135.80
            Rakuten American Express Card
            9

            Rakuten American Express Card

            First Electronic Bank

            2% cash back on Financial

            Convertible Cash Back — 2.0–4.0¢/$

            This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

            Why this card

            1. 1.2% cash back on Financial Benefits ($94/yr on $6,000 spend)
            2. 2.Amex Offers
            3. 3.Cash back converts at 1.6¢ avg — 1.6× cash value

            No annual fee

            Amex has limited international acceptance — carry a Visa/Mastercard backup

            AMEX
            Convertible
            Core Rate
            2.0–4.0¢
            per dollar on financial
            depending on redemption
            No annual fee
            Annual rewards$94
            Net annual value$94
            Chase Freedom Flex
            10

            Chase Freedom Flex

            Chase

            3% cash back on Financial

            Why this card

            1. 1.3% cash back on Financial Benefits ($90/yr on $6,000 spend)
            2. 2.$20/yr DoorDash
            3. 3.$30/yr DashPass Subscription

            No annual fee

            Promotional rate — may be time-limited

            MASTERCARD
            Promotional
            1.5¢
            per dollar on financial
            No annual fee
            Annual rewards$90
            Net annual value$90

            Bonus rate on first $1,500/quarterly, then base rate

            No image
            11

            Bilt Palladium Card

            Cardless

            3x Bilt Rewards on Financial
            3x × 2.0¢/pt = 3.0¢ per dollar

            Why this card

            1. 1.3x on Financial Benefits — points worth 2.0¢ each ($180/yr on $6,000 spend)
            2. 2.$30/yr Instacart+ Savings

            $20 in credits offset the $495 fee

            MASTERCARD
            Core Rate
            3.0¢
            per dollar on financial
            $495/yr($20 in credits)
            Annual rewards$180
            + Credits$20
            \u2212 Annual fee$495
            Net annual value-$295
            Capital One Savor Cash Rewards Credit Card
            12

            Capital One Savor Cash Rewards Credit Card

            Capital One

            4% cash back on Financial

            Why this card

            1. 1.4% cash back on Financial Benefits ($120/yr on $6,000 spend)
            2. 2.$30/yr Instacart+ Savings

            No annual fee

            MASTERCARD
            Core Rate
            2.0¢
            per dollar on financial
            No annual fee($35.96 in credits)
            Annual rewards$120
            + Credits$35.96
            Net annual value$155.96
            American Express Green Card
            13

            American Express Green Card

            Amex

            3x Membership Rewards on Financial
            3x × 1.8¢/pt = 2.7¢ per dollar

            Why this card

            1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)

            $9.45 in credits offset the $150 fee

            Amex has limited international acceptance — carry a Visa/Mastercard backup

            AMEX
            Core Rate
            2.7¢
            per dollar on financial
            $150/yr($9.45 in credits)
            Annual rewards$162.00
            + Credits$9.45
            \u2212 Annual fee$150
            Net annual value$21.45
            Citi Strata Elite℠ Card
            14

            Citi Strata Elite℠ Card

            Citi

            3x ThankYou Points on Financial
            3x × 1.5¢/pt = 2.3¢ per dollar

            Why this card

            1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)
            2. 2.$357/yr Citigold® Private Client Relationship Credit
            3. 3.$150/yr Up to $200 Annual Splurge Credit℠
            4. 4.$100/yr Up to $200 Annual Blacklane® Credit
            5. 5.$30/yr Instacart+ Savings

            $16.50 in credits offset the $595 fee

            MASTERCARD
            Core Rate
            2.3¢
            per dollar on financial
            $595/yr($16.50 in credits)
            Annual rewards$135
            + Credits$16.50
            \u2212 Annual fee$595
            Net annual value-$443.50
            No image
            15

            BMO Escape

            Bmo

            4x points on Financial

            Why this card

            1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)
            2. 2.BMO CreditView

            $24.50 in credits offset the $150 fee

            MASTERCARD
            Core Rate
            2.0¢
            per dollar on financial
            $150/yr($24.50 in credits)
            Annual rewards$120
            + Credits$24.50
            \u2212 Annual fee$150
            Net annual value-$5.50

            Bonus rate on first $3,000/quarterly, then base rate

            Pottery Barn Key Rewards Visa
            16

            Pottery Barn Key Rewards Visa

            Capital One

            4x points on Financial

            Why this card

            1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)

            No annual fee

            VISA
            Core Rate
            2.0¢
            per dollar on financial
            No annual fee($0.80 in credits)
            Annual rewards$120
            + Credits$0.80
            Net annual value$120.80
            U.S. Bank Altitude Go Visa Signature Card
            17

            U.S. Bank Altitude Go Visa Signature Card

            Usbank

            4x Usbank Altitude Rewards on Financial
            4x × 1.0¢/pt = 2.0¢ per dollar

            Why this card

            1. 1.4x on Financial Benefits — points worth 1.0¢ each ($120/yr on $6,000 spend)

            No annual fee

            VISA
            Core Rate
            2.0¢
            per dollar on financial
            No annual fee($0.80 in credits)
            Annual rewards$120
            + Credits$0.80
            Net annual value$120.80

            Bonus rate on first $2,000/quarterly, then base rate

            No image
            18

            Verizon Visa Card

            Synchrony

            4% cash back on Financial

            Why this card

            1. 1.4% cash back on Financial Benefits ($120/yr on $6,000 spend)

            No annual fee

            VISA
            Core Rate
            2.0¢
            per dollar on financial
            No annual fee($0.80 in credits)
            Annual rewards$120
            + Credits$0.80
            Net annual value$120.80
            Capital One VentureOne Rewards Credit Card
            19

            Capital One VentureOne Rewards Credit Card

            Capital One

            1.25x Venture Miles on Financial
            1.25x × 1.9¢/pt = 2.0¢ per dollar

            Why this card

              No annual fee

              MASTERCARD
              2.0¢
              per dollar on financial
              No annual fee
              Annual rewards$117.94
              Net annual value$117.94
              Bank of America Unlimited Cash Rewards Credit Card
              20

              Bank of America Unlimited Cash Rewards Credit Card

              Bank Of America

              2% cash back on Financial

              Why this card

              1. 1.$40/yr 0% Intro APR for 15 Months
              2. 2.$30/yr Balance Transfer Capability with Low Intro Fee

              No annual fee

              VISA
              1.7¢
              per dollar on financial
              No annual fee($0.80 in credits)
              Annual rewards$102
              + Credits$0.80
              Net annual value$102.80
              No image
              21

              Wyndham Rewards Earner Plus Card

              Barclays

              4x Wyndham Rewards on Financial
              4x × 1.0¢/pt = 2.0¢ per dollar

              Why this card

              1. 1.4x on Financial Benefits — points worth 1.0¢ each ($120/yr on $6,000 spend)

              $0.80 in credits offset the $75 fee

              VISA
              Core Rate
              2.0¢
              per dollar on financial
              $75/yr($0.80 in credits)
              Annual rewards$120
              + Credits$0.80
              \u2212 Annual fee$75
              Net annual value$45.80
              Citi Strata Premier Card
              22

              Citi Strata Premier Card

              Citi

              3x ThankYou Points on Financial
              3x × 1.5¢/pt = 2.3¢ per dollar

              Why this card

              1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

              $5 in credits offset the $95 fee

              MASTERCARD
              Core Rate
              2.3¢
              per dollar on financial
              $95/yr($5 in credits)
              Annual rewards$135
              + Credits$5
              \u2212 Annual fee$95
              Net annual value$45
              Wells Fargo Autograph Journey Visa Credit Card
              23

              Wells Fargo Autograph Journey Visa Credit Card

              Wells Fargo

              3x Wells Fargo Rewards on Financial
              3x × 1.5¢/pt = 2.3¢ per dollar

              Why this card

              1. 1.3x on Financial Benefits — points worth 1.5¢ each ($135/yr on $6,000 spend)

              $0.80 in credits offset the $95 fee

              VISA
              Core Rate
              2.3¢
              per dollar on financial
              $95/yr($0.80 in credits)
              Annual rewards$135
              + Credits$0.80
              \u2212 Annual fee$95
              Net annual value$40.80
              Susan G. Komen® Customized Cash Rewards
              24

              Susan G. Komen® Customized Cash Rewards

              Bank Of America

              3x points on Financial

              Why this card

              1. 1.3x on Financial Benefits ($90/yr on $6,000 spend)
              2. 2.$100/yr 0% Intro APR for 15 Billing Cycles

              No annual fee

              VISA
              Core Rate
              1.5¢
              per dollar on financial
              No annual fee($0.80 in credits)
              Annual rewards$90
              + Credits$0.80
              Net annual value$90.80

              Bonus rate on first $2,500/quarterly, then base rate

              No image
              25

              Firstcard Secured Credit Builder Card

              Firstcard

              1.5% cash back on Financial

              Why this card

              1. 1.$50/yr Credit Building Without Credit Check

              No annual fee

              VISA
              1.3¢
              per dollar on financial
              No annual fee
              Annual rewards$76.50
              Net annual value$76.50
              Ralphs Rewards World Elite Mastercard®
              26

              Ralphs Rewards World Elite Mastercard®

              Usbank

              3x points on Financial

              Why this card

              1. 1.3x on Financial Benefits ($90/yr on $6,000 spend)
              2. 2.$25/yr $100 in Statement Credits
              3. 3.$30/yr Instacart+ Savings

              No annual fee

              MASTERCARD
              Core Rate
              1.5¢
              per dollar on financial
              No annual fee
              Annual rewards$90
              Net annual value$90

              Bonus rate on first $6,000/annual, then base rate

              Chase Sapphire Reserve
              27

              Chase Sapphire Reserve

              Chase

              3x Ultimate Rewards on Financial
              3x × 1.8¢/pt = 2.7¢ per dollar

              Why this card

              1. 1.3x on Financial Benefits — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
              2. 2.$25/yr Exclusive Tables Dining Credit
              3. 3.$25/yr DoorDash DashPass & Credits

              $111 in credits offset the $795 fee

              VISA
              Core Rate
              2.7¢
              per dollar on financial
              $795/yr($111 in credits)
              Annual rewards$162.00
              + Credits$111
              \u2212 Annual fee$795
              Net annual value-$522
              U.S. Bank Altitude Go® Secured Visa® Signature
              28

              U.S. Bank Altitude Go® Secured Visa® Signature

              Usbank

              4x points on Financial

              Why this card

              1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)

              No annual fee

              VISA
              Core Rate
              2.0¢
              per dollar on financial
              No annual fee($0.80 in credits)
              Annual rewards$120
              + Credits$0.80
              Net annual value$120.80
              IHG One Rewards Premier Credit Card
              29

              IHG One Rewards Premier Credit Card

              Chase

              5x Ihg One Rewards on Financial
              5x × 0.6¢/pt = 1.5¢ per dollar

              Why this card

              1. 1.5x on Financial Benefits — points worth 0.6¢ each ($90/yr on $6,000 spend)
              2. 2.$30/yr Complimentary DashPass Membership
              3. 3.$30/yr Instacart+ Savings
              4. 4.$15/yr Instacart+ Membership & Credit

              $1.50 in credits offset the $99 fee

              MASTERCARD
              Core Rate
              1.5¢
              per dollar on financial
              $99/yr($1.50 in credits)
              Annual rewards$90
              + Credits$1.50
              \u2212 Annual fee$99
              Net annual value-$7.50
              BMO Premium Rewards Mastercard®
              30

              BMO Premium Rewards Mastercard®

              Bmo

              4x points on Financial

              Why this card

              1. 1.4x on Financial Benefits ($120/yr on $6,000 spend)
              2. 2.No Foreign Transaction Fees
              MASTERCARD
              Core Rate
              2.0¢
              per dollar on financial
              $95/yr
              Annual rewards$120
              \u2212 Annual fee$95
              Net annual value$25

              Bonus rate on first $2,000/quarterly, then base rate