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.
26 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Why this card
Excludes Walmart, Target, and warehouse clubs
No annual fee
Capital One
Why this card
Bank of America
Why this card
No annual fee
Capital One
Why this card
No annual fee
Why this card
No annual fee
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. -$9 ($400 initial limit (first year)) or -$35 ($500 initial limit (first year)) or -$85 ($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. -$9 ($400 initial limit (first year)) or -$35 ($500 initial limit (first year)) or -$85 ($700 or $1,000 initial limit (first year))
Why this card
No annual fee
Discover
Why this card
No annual fee
Bonus rate on first $1,000/quarterly, then base rate
TD Bank
Why this card
No annual fee
Why this card
Why this card
No annual fee
Goldman Sachs
Why this card
No annual fee
Discover
Why this card
No annual fee
Discover
Why this card
No annual fee
Discover
Why this card
No annual fee
Celtic Bank
Why this card
Annual fee $75 ($300 initial limit (first year)) or $125 ($500 to $1,000 initial limit), set at approval; net est. -$75 ($300 initial limit (first year)) or -$125 ($500 to $1,000 initial limit). Ranked assuming the $125 $500 to $1,000 initial limit fee; your fee depends on the version you are approved for.
net est. -$75 ($300 initial limit (first year)) or -$125 ($500 to $1,000 initial limit)
Capital One
Why this card
No annual fee
WebBank
Why this card
Annual fee $0 (Lowest-fee offer) or $125 (Highest-fee offer), set at approval; net est. $0 (Lowest-fee offer) or -$125 (Highest-fee offer). Ranked assuming the $125 Highest-fee offer fee; your fee depends on the version you are approved for.
net est. $0 (Lowest-fee offer) or -$125 (Highest-fee offer)
Cross River Bank
Why this card
No annual fee
The Bank of Missouri
Why this card
Annual fee $0 (Monthly-fee version (no annual fee)) or $59 (First-year annual fee $59) or $75 (First-year annual fee $75) or $125 (First-year annual fee $125) or $175 (First-year annual fee $175) or $250 (First-year annual fee $250), set at approval; net est. $0 (Monthly-fee version (no annual fee)) or -$59 (First-year annual fee $59) or -$75 (First-year annual fee $75) or -$125 (First-year annual fee $125) or -$175 (First-year annual fee $175) or -$250 (First-year annual fee $250). Ranked assuming the $250 First-year annual fee $250 fee; your fee depends on the version you are approved for.
net est. $0 (Monthly-fee version (no annual fee)) or -$59 (First-year annual fee $59) or -$75 (First-year annual fee $75) or -$125 (First-year annual fee $125) or -$175 (First-year annual fee $175) or -$250 (First-year annual fee $250)
Bank of America
Why this card
3% applies only if dining is your chosen 3% category (one choice among gas/EV charging, online shopping including cable/internet/phone/streaming, dining, travel, drug stores, or home improvement/furnishings); the $2,500 quarterly limit is shared with grocery and wholesale-club 2%. 3% applies only if gas and EV charging stations is your chosen 3% category (one choice among gas/EV charging, online shopping including cable/internet/phone/streaming, dining, travel, drug stores, or home improvement/furnishings); the $2,500 quarterly limit is shared with grocery and wholesale-club 2%.
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Celtic Bank
Why this card
Annual fee $75 ($300 initial limit (first year)) or $125 ($500 to $1,000 initial limit), set at approval; net est. -$75 ($300 initial limit (first year)) or -$125 ($500 to $1,000 initial limit). Ranked assuming the $125 $500 to $1,000 initial limit fee; your fee depends on the version you are approved for.
net est. -$75 ($300 initial limit (first year)) or -$125 ($500 to $1,000 initial limit)
The Bank of Missouri
Why this card
Annual fee $0 (Monthly-fee version (no annual fee)) or $75 (First-year annual fee $75) or $125 (First-year annual fee $125) or $175 (First-year annual fee $175) or $250 (First-year annual fee $250), set at approval; net est. $0 (Monthly-fee version (no annual fee)) or -$75 (First-year annual fee $75) or -$125 (First-year annual fee $125) or -$175 (First-year annual fee $175) or -$250 (First-year annual fee $250). Ranked assuming the $250 First-year annual fee $250 fee; your fee depends on the version you are approved for.
net est. $0 (Monthly-fee version (no annual fee)) or -$75 (First-year annual fee $75) or -$125 (First-year annual fee $125) or -$175 (First-year annual fee $175) or -$250 (First-year annual fee $250)
