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© Copyright 2026 CardRewards. All Rights Reserved.

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

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

Point valuation

Booking

Rewards

Programs

Networks

Refine results

Do you value airport lounge access?

Domestic or international travel?

No annual fee only?

Avoid Amex network?

Already have a premium card?

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1

Capital One Venture X Rewards Credit Card

Capital One

10x Venture Miles on General via Portal
10x × 1.9¢/pt = 3.5¢ per dollar

Why this card

  1. 1.10x on all other — points worth 1.9¢ each ($208.13/yr on $6,000 spend)
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.Capital One Lounge Access
  5. 5.Priority Pass Lounge Access
VISA
Core Rate
3.5¢
per dollar on general
$395/yr
Annual rewards$208.13
\u2212 Annual fee$395
Net annual value-$186.87
Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

10x ThankYou Points on General via Portal
10x × 1.5¢/pt = 2.5¢ per dollar

Why this card

  1. 1.10x on all other — points worth 1.5¢ each ($149.85/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
MASTERCARD
Core Rate
2.5¢
per dollar on general
$95/yr
Annual rewards$149.85
\u2212 Annual fee$95
Net annual value$54.85
No image
3

One Key+ Card

Wells Fargo

2% cash back on General

Why this card

  1. 1.Priority Pass Select Lounge Access
  2. 2.$20/yr Lyft Credits
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Common Carrier Travel Accident Insurance

No annual fee

MASTERCARD
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
Citi Strata Elite℠ Card
4

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on General
1.5x × 1.5¢/pt = 1.9¢ per dollar

Why this card

  1. 1.$150/yr Up to $300 Annual Hotel Benefit
  2. 2.Priority Pass™ Select membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
  5. 5.American Airlines Admirals Club® Lounge Access Passes

$597.50 in credits fully offsets the $595 fee

MASTERCARD
1.9¢
per dollar on general
$595/yr($597.50 in credits)
Annual rewards$114.75
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$117.25
Fidelity Rewards Visa Signature Card
5

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on General

Why this card

  1. 1.Travel Accident Insurance
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
Wells Fargo Autograph Journey Visa Credit Card
6

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

5x Wells Fargo Rewards on General via Direct
5x × 1.5¢/pt = 1.6¢ per dollar

Why this card

  1. 1.5x on all other — points worth 1.5¢ each ($94.50/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
1.6¢
per dollar on general
$95/yr
Annual rewards$94.50
\u2212 Annual fee$95
Net annual value-$0.50
No image
7

The Platinum Card from American Express

Amex

5x Membership Rewards on General
5x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.5x on all other — points worth 1.8¢ each ($105.30/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$100/yr Airline Fee Credit
  4. 4.$125/yr CLEAR Plus Credit
  5. 5.$120/yr Uber Credit

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

AMEX
Core Rate
1.8¢
per dollar on general
$895/yr($278 in credits)
Annual rewards$105.30
+ Credits$278
\u2212 Annual fee$895
Net annual value-$511.70

Bonus rate on first $500,000/annual, then base rate

Bank of America® Unlimited Cash Rewards for Students
8

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

2% cash back on General

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
U.S. Bank Smartly Visa Signature Card
9

U.S. Bank Smartly Visa Signature Card

Usbank

2% cash back on General

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
No image
10

TD Double Up Credit Card

Td Bank

2% cash back on General

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
No image
11

Verizon Visa Card

Synchrony

2% cash back on General

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
No image
12

Jasper Cash Back Mastercard

Webbank

2% cash back on General

Why this card

  1. 1.$25/yr Credit Reporting to All Three Bureaus

No annual fee

MASTERCARD
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
Wells Fargo Active Cash Card
13

Wells Fargo Active Cash Card

Wells Fargo

2% cash back on General

Why this card

  1. 1.Visa Signature Rental Car Privileges
  2. 2.$5/yr Booking.com Travel Credits
  3. 3.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
Bilt Blue Card
14

Bilt Blue Card

Cardless

1x Bilt Rewards on General
1x × 2.0¢/pt = 1.7¢ per dollar

Why this card

  1. 1.MasterRental Coverage

No annual fee

MASTERCARD
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
Capital One Venture Rewards Credit Card
15

Capital One Venture Rewards Credit Card

Capital One

5x Venture Miles on General via Portal
5x × 1.9¢/pt = 1.2¢ per dollar

Why this card

  1. 1.5x on all other — points worth 1.9¢ each ($74.93/yr on $6,000 spend)
  2. 2.$150/yr $250 Capital One Travel Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.Hertz Five Star Status
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
1.2¢
per dollar on general
$95/yr
Annual rewards$74.93
\u2212 Annual fee$95
Net annual value-$20.07
Chase Sapphire Reserve
16

Chase Sapphire Reserve

Chase

4x Ultimate Rewards on General via Direct
4x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.4x on all other — points worth 1.8¢ each ($107.57/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Air Canada Maple Leaf Lounge Access
VISA
Core Rate
1.8¢
per dollar on general
$795/yr($127.25 in credits)
Annual rewards$107.57
+ Credits$127.25
\u2212 Annual fee$795
Net annual value-$560.18
Rakuten American Express Card
17

Rakuten American Express Card

First Electronic Bank

1% cash back on General

Convertible Cash Back — 1.0–2.0¢/$

This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

Why this card

  1. 1.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
1.0–2.0¢
per dollar on general
depending on redemption
No annual fee
Annual rewards$79.90
Net annual value$79.90
Navy Federal Visa cashRewards Card
18

Navy Federal Visa cashRewards Card

Navy Federal

1.5% cash back on General

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.3¢
per dollar on general
No annual fee
Annual rewards$76.50
Net annual value$76.50
Bank of America Unlimited Cash Rewards Credit Card
19

Bank of America Unlimited Cash Rewards Credit Card

Bank Of America

2% cash back on General

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on general
No annual fee
Annual rewards$102
Net annual value$102
Capital One Quicksilver Student Cash Rewards Credit Card
20

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One

1.5% cash back on General

Why this card

  1. 1.$144/yr Complimentary Uber One Membership
  2. 2.Travel Insurance

No annual fee

MASTERCARD
1.3¢
per dollar on general
No annual fee
Annual rewards$76.50
Net annual value$76.50
Synchrony Premier Mastercard
21

Synchrony Premier Mastercard

Synchrony

2% cash back on General

Why this card

    No annual fee

    MASTERCARD
    1.7¢
    per dollar on general
    No annual fee
    Annual rewards$102
    Net annual value$102
    Hilton Honors American Express Card
    22

    Hilton Honors American Express Card

    Amex

    3x Hilton Honors on General
    3x × 0.5¢/pt = 1.3¢ per dollar

    Why this card

    1. 1.Global Assist Hotline

    No annual fee

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

    AMEX
    1.3¢
    per dollar on general
    No annual fee
    Annual rewards$76.50
    Net annual value$76.50
    Discover it® Miles
    23

    Discover it® Miles

    Discover

    1.5x Cashback on General
    1.5x × 1.0¢/pt = 1.3¢ per dollar

    Why this card

      No annual fee

      Discover has very limited international acceptance

      DISCOVER
      1.3¢
      per dollar on general
      No annual fee
      Annual rewards$76.50
      Net annual value$76.50
      No image
      24

      BMO Escape

      Bmo

      4x points on General

      Why this card

      1. 1.4x on all other ($46.80/yr on $6,000 spend)
      2. 2.PriorityPass Airport Lounge Access
      3. 3.$25/yr Unwind with a $240 hotel credit
      4. 4.MasterRental Car Rental Coverage

      $12.50 in credits offset the $150 fee

      MASTERCARD
      Core Rate
      0.8¢
      per dollar on general
      $150/yr($12.50 in credits)
      Annual rewards$46.80
      + Credits$12.50
      \u2212 Annual fee$150
      Net annual value-$90.70

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

      Upgrade Visa Card with Cash Rewards
      25

      Upgrade Visa Card with Cash Rewards

      Upgrade

      1.5% cash back on General

      Why this card

      1. 1.Auto Rental Collision Damage Waiver
      2. 2.Visa Signature Rental Car Privileges
      3. 3.$5/yr Booking.com Travel Credits
      4. 4.GigSky Mobile Data (Visa Signature)

      No annual fee

      VISA
      1.3¢
      per dollar on general
      No annual fee
      Annual rewards$76.50
      Net annual value$76.50
      Capital One QuicksilverOne Cash Rewards Credit Card
      26

      Capital One QuicksilverOne Cash Rewards Credit Card

      Capital One

      1.5x Cashback on General
      1.5x × 1.0¢/pt = 1.3¢ per dollar

      Why this card

      1. 1.$36/yr Complimentary Uber One Membership (6 Months)
      2. 2.24/7 Travel Assistance Services
      MASTERCARD
      1.3¢
      per dollar on general
      $39/yr
      Annual rewards$76.50
      \u2212 Annual fee$39
      Net annual value$37.50
      U.S. Bank Shield Visa Card
      27

      U.S. Bank Shield Visa Card

      Usbank

      4% cash back on General via Portal

      Why this card

      1. 1.4% cash back on all other ($57.60/yr on $6,000 spend)

      No annual fee

      VISA
      Core Rate
      1.0¢
      per dollar on general
      No annual fee($10 in credits)
      Annual rewards$57.60
      + Credits$10
      Net annual value$67.60
      No image
      28

      Firstcard Secured Credit Builder Card

      Firstcard

      1.5% cash back on General

      Why this card

        No annual fee

        VISA
        1.3¢
        per dollar on general
        No annual fee
        Annual rewards$76.50
        Net annual value$76.50
        Capital One VentureOne Rewards Credit Card
        29

        Capital One VentureOne Rewards Credit Card

        Capital One

        5x Venture Miles on General via Portal
        5x × 1.9¢/pt = 1.2¢ per dollar

        Why this card

        1. 1.5x on all other — points worth 1.9¢ each ($74.93/yr on $6,000 spend)

        No annual fee

        MASTERCARD
        Core Rate
        1.2¢
        per dollar on general
        No annual fee
        Annual rewards$74.93
        Net annual value$74.93
        PayPal Cashback Mastercard
        30

        PayPal Cashback Mastercard

        Synchrony

        1.5% cash back on General

        Why this card

        1. 1.Priority Pass Select Lounge Access
        2. 2.$20/yr Lyft Credits

        No annual fee

        MASTERCARD
        1.3¢
        per dollar on general
        No annual fee
        Annual rewards$76.50
        Net annual value$76.50

        Results from

        $6,000

        Scoring mode

        Options

        Point valuation

        Booking

        Rewards

        Programs

        Networks

        Refine results

        Do you value airport lounge access?

        Domestic or international travel?

        No annual fee only?

        Avoid Amex network?

        Already have a premium card?

        Resolved as:General+1 more
        Cached
        70%
        Not right? Try:
        100 matches1184ms
        No image
        1

        Capital One Venture X Rewards Credit Card

        Capital One

        10x Venture Miles on General via Portal
        10x × 1.9¢/pt = 3.5¢ per dollar

        Why this card

        1. 1.10x on all other — points worth 1.9¢ each ($208.13/yr on $6,000 spend)
        2. 2.$240/yr $300 Annual Capital One Travel Credit
        3. 3.$72/yr Global Entry or TSA PreCheck Credit
        4. 4.Capital One Lounge Access
        5. 5.Priority Pass Lounge Access
        VISA
        Core Rate
        3.5¢
        per dollar on general
        $395/yr
        Annual rewards$208.13
        \u2212 Annual fee$395
        Net annual value-$186.87
        Citi Strata Premier Card
        2

        Citi Strata Premier Card

        Citi

        10x ThankYou Points on General via Portal
        10x × 1.5¢/pt = 2.5¢ per dollar

        Why this card

        1. 1.10x on all other — points worth 1.5¢ each ($149.85/yr on $6,000 spend)
        2. 2.$60/yr Annual Hotel Savings Benefit
        3. 3.Priority Pass Select Lounge Access
        4. 4.$20/yr Lyft Credits
        MASTERCARD
        Core Rate
        2.5¢
        per dollar on general
        $95/yr
        Annual rewards$149.85
        \u2212 Annual fee$95
        Net annual value$54.85
        No image
        3

        One Key+ Card

        Wells Fargo

        2% cash back on General

        Why this card

        1. 1.Priority Pass Select Lounge Access
        2. 2.$20/yr Lyft Credits
        3. 3.Auto Rental Collision Damage Waiver
        4. 4.Common Carrier Travel Accident Insurance

        No annual fee

        MASTERCARD
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        Citi Strata Elite℠ Card
        4

        Citi Strata Elite℠ Card

        Citi

        1.5x ThankYou Points on General
        1.5x × 1.5¢/pt = 1.9¢ per dollar

        Why this card

        1. 1.$150/yr Up to $300 Annual Hotel Benefit
        2. 2.Priority Pass™ Select membership
        3. 3.Priority Pass Select Lounge Access
        4. 4.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
        5. 5.American Airlines Admirals Club® Lounge Access Passes

        $597.50 in credits fully offsets the $595 fee

        MASTERCARD
        1.9¢
        per dollar on general
        $595/yr($597.50 in credits)
        Annual rewards$114.75
        + Credits$597.50
        \u2212 Annual fee$595
        Net annual value$117.25
        Fidelity Rewards Visa Signature Card
        5

        Fidelity Rewards Visa Signature Card

        Elan Financial

        2% cash back on General

        Why this card

        1. 1.Travel Accident Insurance
        2. 2.Auto Rental Collision Damage Waiver
        3. 3.Visa Signature Rental Car Privileges
        4. 4.$5/yr Booking.com Travel Credits
        5. 5.GigSky Mobile Data (Visa Signature)

        No annual fee

        VISA
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        Wells Fargo Autograph Journey Visa Credit Card
        6

        Wells Fargo Autograph Journey Visa Credit Card

        Wells Fargo

        5x Wells Fargo Rewards on General via Direct
        5x × 1.5¢/pt = 1.6¢ per dollar

        Why this card

        1. 1.5x on all other — points worth 1.5¢ each ($94.50/yr on $6,000 spend)
        2. 2.$25/yr $50 annual statement credit
        3. 3.Travel and Emergency Services Assistance
        4. 4.Auto Rental Collision Damage Waiver
        5. 5.Visa Signature Rental Car Privileges
        VISA
        Core Rate
        1.6¢
        per dollar on general
        $95/yr
        Annual rewards$94.50
        \u2212 Annual fee$95
        Net annual value-$0.50
        No image
        7

        The Platinum Card from American Express

        Amex

        5x Membership Rewards on General
        5x × 1.8¢/pt = 1.8¢ per dollar

        Why this card

        1. 1.5x on all other — points worth 1.8¢ each ($105.30/yr on $6,000 spend)
        2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
        3. 3.$100/yr Airline Fee Credit
        4. 4.$125/yr CLEAR Plus Credit
        5. 5.$120/yr Uber Credit

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

        AMEX
        Core Rate
        1.8¢
        per dollar on general
        $895/yr($278 in credits)
        Annual rewards$105.30
        + Credits$278
        \u2212 Annual fee$895
        Net annual value-$511.70

        Bonus rate on first $500,000/annual, then base rate

        Bank of America® Unlimited Cash Rewards for Students
        8

        Bank of America® Unlimited Cash Rewards for Students

        Bank Of America

        2% cash back on General

        Why this card

        1. 1.Auto Rental Collision Damage Waiver
        2. 2.Visa Signature Rental Car Privileges
        3. 3.$5/yr Booking.com Travel Credits
        4. 4.GigSky Mobile Data (Visa Signature)

        No annual fee

        VISA
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        U.S. Bank Smartly Visa Signature Card
        9

        U.S. Bank Smartly Visa Signature Card

        Usbank

        2% cash back on General

        Why this card

        1. 1.Auto Rental Collision Damage Waiver
        2. 2.Visa Signature Rental Car Privileges
        3. 3.$5/yr Booking.com Travel Credits
        4. 4.GigSky Mobile Data (Visa Signature)

        No annual fee

        VISA
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        No image
        10

        TD Double Up Credit Card

        Td Bank

        2% cash back on General

        Why this card

        1. 1.Auto Rental Collision Damage Waiver
        2. 2.Visa Signature Rental Car Privileges
        3. 3.$5/yr Booking.com Travel Credits
        4. 4.GigSky Mobile Data (Visa Signature)

        No annual fee

        VISA
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        No image
        11

        Verizon Visa Card

        Synchrony

        2% cash back on General

        Why this card

        1. 1.Auto Rental Collision Damage Waiver
        2. 2.Visa Signature Rental Car Privileges
        3. 3.$5/yr Booking.com Travel Credits
        4. 4.GigSky Mobile Data (Visa Signature)

        No annual fee

        VISA
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        No image
        12

        Jasper Cash Back Mastercard

        Webbank

        2% cash back on General

        Why this card

        1. 1.$25/yr Credit Reporting to All Three Bureaus

        No annual fee

        MASTERCARD
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        Wells Fargo Active Cash Card
        13

        Wells Fargo Active Cash Card

        Wells Fargo

        2% cash back on General

        Why this card

        1. 1.Visa Signature Rental Car Privileges
        2. 2.$5/yr Booking.com Travel Credits
        3. 3.GigSky Mobile Data (Visa Signature)

        No annual fee

        VISA
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        Bilt Blue Card
        14

        Bilt Blue Card

        Cardless

        1x Bilt Rewards on General
        1x × 2.0¢/pt = 1.7¢ per dollar

        Why this card

        1. 1.MasterRental Coverage

        No annual fee

        MASTERCARD
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        Capital One Venture Rewards Credit Card
        15

        Capital One Venture Rewards Credit Card

        Capital One

        5x Venture Miles on General via Portal
        5x × 1.9¢/pt = 1.2¢ per dollar

        Why this card

        1. 1.5x on all other — points worth 1.9¢ each ($74.93/yr on $6,000 spend)
        2. 2.$150/yr $250 Capital One Travel Credit (First Year)
        3. 3.$72/yr Global Entry or TSA PreCheck Credit
        4. 4.Hertz Five Star Status
        5. 5.$20/yr Lyft Credits
        MASTERCARD
        Core Rate
        1.2¢
        per dollar on general
        $95/yr
        Annual rewards$74.93
        \u2212 Annual fee$95
        Net annual value-$20.07
        Chase Sapphire Reserve
        16

        Chase Sapphire Reserve

        Chase

        4x Ultimate Rewards on General via Direct
        4x × 1.8¢/pt = 1.8¢ per dollar

        Why this card

        1. 1.4x on all other — points worth 1.8¢ each ($107.57/yr on $6,000 spend)
        2. 2.$240/yr Annual Travel Credit
        3. 3.$125/yr Select Hotels Credit (2026)
        4. 4.$60/yr Lyft Monthly Credit
        5. 5.Air Canada Maple Leaf Lounge Access
        VISA
        Core Rate
        1.8¢
        per dollar on general
        $795/yr($127.25 in credits)
        Annual rewards$107.57
        + Credits$127.25
        \u2212 Annual fee$795
        Net annual value-$560.18
        Rakuten American Express Card
        17

        Rakuten American Express Card

        First Electronic Bank

        1% cash back on General

        Convertible Cash Back — 1.0–2.0¢/$

        This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

        Why this card

        1. 1.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
        1.0–2.0¢
        per dollar on general
        depending on redemption
        No annual fee
        Annual rewards$79.90
        Net annual value$79.90
        Navy Federal Visa cashRewards Card
        18

        Navy Federal Visa cashRewards Card

        Navy Federal

        1.5% cash back on General

        Why this card

        1. 1.Auto Rental Collision Damage Waiver
        2. 2.Auto Rental Collision Damage Waiver
        3. 3.Visa Signature Rental Car Privileges
        4. 4.$5/yr Booking.com Travel Credits
        5. 5.GigSky Mobile Data (Visa Signature)

        No annual fee

        VISA
        1.3¢
        per dollar on general
        No annual fee
        Annual rewards$76.50
        Net annual value$76.50
        Bank of America Unlimited Cash Rewards Credit Card
        19

        Bank of America Unlimited Cash Rewards Credit Card

        Bank Of America

        2% cash back on General

        Why this card

        1. 1.Auto Rental Collision Damage Waiver
        2. 2.Visa Signature Rental Car Privileges
        3. 3.$5/yr Booking.com Travel Credits
        4. 4.GigSky Mobile Data (Visa Signature)

        No annual fee

        VISA
        1.7¢
        per dollar on general
        No annual fee
        Annual rewards$102
        Net annual value$102
        Capital One Quicksilver Student Cash Rewards Credit Card
        20

        Capital One Quicksilver Student Cash Rewards Credit Card

        Capital One

        1.5% cash back on General

        Why this card

        1. 1.$144/yr Complimentary Uber One Membership
        2. 2.Travel Insurance

        No annual fee

        MASTERCARD
        1.3¢
        per dollar on general
        No annual fee
        Annual rewards$76.50
        Net annual value$76.50
        Synchrony Premier Mastercard
        21

        Synchrony Premier Mastercard

        Synchrony

        2% cash back on General

        Why this card

          No annual fee

          MASTERCARD
          1.7¢
          per dollar on general
          No annual fee
          Annual rewards$102
          Net annual value$102
          Hilton Honors American Express Card
          22

          Hilton Honors American Express Card

          Amex

          3x Hilton Honors on General
          3x × 0.5¢/pt = 1.3¢ per dollar

          Why this card

          1. 1.Global Assist Hotline

          No annual fee

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

          AMEX
          1.3¢
          per dollar on general
          No annual fee
          Annual rewards$76.50
          Net annual value$76.50
          Discover it® Miles
          23

          Discover it® Miles

          Discover

          1.5x Cashback on General
          1.5x × 1.0¢/pt = 1.3¢ per dollar

          Why this card

            No annual fee

            Discover has very limited international acceptance

            DISCOVER
            1.3¢
            per dollar on general
            No annual fee
            Annual rewards$76.50
            Net annual value$76.50
            No image
            24

            BMO Escape

            Bmo

            4x points on General

            Why this card

            1. 1.4x on all other ($46.80/yr on $6,000 spend)
            2. 2.PriorityPass Airport Lounge Access
            3. 3.$25/yr Unwind with a $240 hotel credit
            4. 4.MasterRental Car Rental Coverage

            $12.50 in credits offset the $150 fee

            MASTERCARD
            Core Rate
            0.8¢
            per dollar on general
            $150/yr($12.50 in credits)
            Annual rewards$46.80
            + Credits$12.50
            \u2212 Annual fee$150
            Net annual value-$90.70

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

            Upgrade Visa Card with Cash Rewards
            25

            Upgrade Visa Card with Cash Rewards

            Upgrade

            1.5% cash back on General

            Why this card

            1. 1.Auto Rental Collision Damage Waiver
            2. 2.Visa Signature Rental Car Privileges
            3. 3.$5/yr Booking.com Travel Credits
            4. 4.GigSky Mobile Data (Visa Signature)

            No annual fee

            VISA
            1.3¢
            per dollar on general
            No annual fee
            Annual rewards$76.50
            Net annual value$76.50
            Capital One QuicksilverOne Cash Rewards Credit Card
            26

            Capital One QuicksilverOne Cash Rewards Credit Card

            Capital One

            1.5x Cashback on General
            1.5x × 1.0¢/pt = 1.3¢ per dollar

            Why this card

            1. 1.$36/yr Complimentary Uber One Membership (6 Months)
            2. 2.24/7 Travel Assistance Services
            MASTERCARD
            1.3¢
            per dollar on general
            $39/yr
            Annual rewards$76.50
            \u2212 Annual fee$39
            Net annual value$37.50
            U.S. Bank Shield Visa Card
            27

            U.S. Bank Shield Visa Card

            Usbank

            4% cash back on General via Portal

            Why this card

            1. 1.4% cash back on all other ($57.60/yr on $6,000 spend)

            No annual fee

            VISA
            Core Rate
            1.0¢
            per dollar on general
            No annual fee($10 in credits)
            Annual rewards$57.60
            + Credits$10
            Net annual value$67.60
            No image
            28

            Firstcard Secured Credit Builder Card

            Firstcard

            1.5% cash back on General

            Why this card

              No annual fee

              VISA
              1.3¢
              per dollar on general
              No annual fee
              Annual rewards$76.50
              Net annual value$76.50
              Capital One VentureOne Rewards Credit Card
              29

              Capital One VentureOne Rewards Credit Card

              Capital One

              5x Venture Miles on General via Portal
              5x × 1.9¢/pt = 1.2¢ per dollar

              Why this card

              1. 1.5x on all other — points worth 1.9¢ each ($74.93/yr on $6,000 spend)

              No annual fee

              MASTERCARD
              Core Rate
              1.2¢
              per dollar on general
              No annual fee
              Annual rewards$74.93
              Net annual value$74.93
              PayPal Cashback Mastercard
              30

              PayPal Cashback Mastercard

              Synchrony

              1.5% cash back on General

              Why this card

              1. 1.Priority Pass Select Lounge Access
              2. 2.$20/yr Lyft Credits

              No annual fee

              MASTERCARD
              1.3¢
              per dollar on general
              No annual fee
              Annual rewards$76.50
              Net annual value$76.50

              Results from

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              1

              Capital One Venture X Rewards Credit Card

              Capital One

              10x Venture Miles on General via Portal
              10x × 1.9¢/pt = 3.5¢ per dollar

              Why this card

              1. 1.10x on all other — points worth 1.9¢ each ($208.13/yr on $6,000 spend)
              2. 2.$240/yr $300 Annual Capital One Travel Credit
              3. 3.$72/yr Global Entry or TSA PreCheck Credit
              4. 4.Capital One Lounge Access
              5. 5.Priority Pass Lounge Access
              VISA
              Core Rate
              3.5¢
              per dollar on general
              $395/yr
              Annual rewards$208.13
              \u2212 Annual fee$395
              Net annual value-$186.87
              Citi Strata Premier Card
              2

              Citi Strata Premier Card

              Citi

              10x ThankYou Points on General via Portal
              10x × 1.5¢/pt = 2.5¢ per dollar

              Why this card

              1. 1.10x on all other — points worth 1.5¢ each ($149.85/yr on $6,000 spend)
              2. 2.$60/yr Annual Hotel Savings Benefit
              3. 3.Priority Pass Select Lounge Access
              4. 4.$20/yr Lyft Credits
              MASTERCARD
              Core Rate
              2.5¢
              per dollar on general
              $95/yr
              Annual rewards$149.85
              \u2212 Annual fee$95
              Net annual value$54.85
              No image
              3

              One Key+ Card

              Wells Fargo

              2% cash back on General

              Why this card

              1. 1.Priority Pass Select Lounge Access
              2. 2.$20/yr Lyft Credits
              3. 3.Auto Rental Collision Damage Waiver
              4. 4.Common Carrier Travel Accident Insurance

              No annual fee

              MASTERCARD
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              Citi Strata Elite℠ Card
              4

              Citi Strata Elite℠ Card

              Citi

              1.5x ThankYou Points on General
              1.5x × 1.5¢/pt = 1.9¢ per dollar

              Why this card

              1. 1.$150/yr Up to $300 Annual Hotel Benefit
              2. 2.Priority Pass™ Select membership
              3. 3.Priority Pass Select Lounge Access
              4. 4.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
              5. 5.American Airlines Admirals Club® Lounge Access Passes

              $597.50 in credits fully offsets the $595 fee

              MASTERCARD
              1.9¢
              per dollar on general
              $595/yr($597.50 in credits)
              Annual rewards$114.75
              + Credits$597.50
              \u2212 Annual fee$595
              Net annual value$117.25
              Fidelity Rewards Visa Signature Card
              5

              Fidelity Rewards Visa Signature Card

              Elan Financial

              2% cash back on General

              Why this card

              1. 1.Travel Accident Insurance
              2. 2.Auto Rental Collision Damage Waiver
              3. 3.Visa Signature Rental Car Privileges
              4. 4.$5/yr Booking.com Travel Credits
              5. 5.GigSky Mobile Data (Visa Signature)

              No annual fee

              VISA
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              Wells Fargo Autograph Journey Visa Credit Card
              6

              Wells Fargo Autograph Journey Visa Credit Card

              Wells Fargo

              5x Wells Fargo Rewards on General via Direct
              5x × 1.5¢/pt = 1.6¢ per dollar

              Why this card

              1. 1.5x on all other — points worth 1.5¢ each ($94.50/yr on $6,000 spend)
              2. 2.$25/yr $50 annual statement credit
              3. 3.Travel and Emergency Services Assistance
              4. 4.Auto Rental Collision Damage Waiver
              5. 5.Visa Signature Rental Car Privileges
              VISA
              Core Rate
              1.6¢
              per dollar on general
              $95/yr
              Annual rewards$94.50
              \u2212 Annual fee$95
              Net annual value-$0.50
              No image
              7

              The Platinum Card from American Express

              Amex

              5x Membership Rewards on General
              5x × 1.8¢/pt = 1.8¢ per dollar

              Why this card

              1. 1.5x on all other — points worth 1.8¢ each ($105.30/yr on $6,000 spend)
              2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
              3. 3.$100/yr Airline Fee Credit
              4. 4.$125/yr CLEAR Plus Credit
              5. 5.$120/yr Uber Credit

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

              AMEX
              Core Rate
              1.8¢
              per dollar on general
              $895/yr($278 in credits)
              Annual rewards$105.30
              + Credits$278
              \u2212 Annual fee$895
              Net annual value-$511.70

              Bonus rate on first $500,000/annual, then base rate

              Bank of America® Unlimited Cash Rewards for Students
              8

              Bank of America® Unlimited Cash Rewards for Students

              Bank Of America

              2% cash back on General

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.Visa Signature Rental Car Privileges
              3. 3.$5/yr Booking.com Travel Credits
              4. 4.GigSky Mobile Data (Visa Signature)

              No annual fee

              VISA
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              U.S. Bank Smartly Visa Signature Card
              9

              U.S. Bank Smartly Visa Signature Card

              Usbank

              2% cash back on General

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.Visa Signature Rental Car Privileges
              3. 3.$5/yr Booking.com Travel Credits
              4. 4.GigSky Mobile Data (Visa Signature)

              No annual fee

              VISA
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              No image
              10

              TD Double Up Credit Card

              Td Bank

              2% cash back on General

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.Visa Signature Rental Car Privileges
              3. 3.$5/yr Booking.com Travel Credits
              4. 4.GigSky Mobile Data (Visa Signature)

              No annual fee

              VISA
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              No image
              11

              Verizon Visa Card

              Synchrony

              2% cash back on General

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.Visa Signature Rental Car Privileges
              3. 3.$5/yr Booking.com Travel Credits
              4. 4.GigSky Mobile Data (Visa Signature)

              No annual fee

              VISA
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              No image
              12

              Jasper Cash Back Mastercard

              Webbank

              2% cash back on General

              Why this card

              1. 1.$25/yr Credit Reporting to All Three Bureaus

              No annual fee

              MASTERCARD
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              Wells Fargo Active Cash Card
              13

              Wells Fargo Active Cash Card

              Wells Fargo

              2% cash back on General

              Why this card

              1. 1.Visa Signature Rental Car Privileges
              2. 2.$5/yr Booking.com Travel Credits
              3. 3.GigSky Mobile Data (Visa Signature)

              No annual fee

              VISA
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              Bilt Blue Card
              14

              Bilt Blue Card

              Cardless

              1x Bilt Rewards on General
              1x × 2.0¢/pt = 1.7¢ per dollar

              Why this card

              1. 1.MasterRental Coverage

              No annual fee

              MASTERCARD
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              Capital One Venture Rewards Credit Card
              15

              Capital One Venture Rewards Credit Card

              Capital One

              5x Venture Miles on General via Portal
              5x × 1.9¢/pt = 1.2¢ per dollar

              Why this card

              1. 1.5x on all other — points worth 1.9¢ each ($74.93/yr on $6,000 spend)
              2. 2.$150/yr $250 Capital One Travel Credit (First Year)
              3. 3.$72/yr Global Entry or TSA PreCheck Credit
              4. 4.Hertz Five Star Status
              5. 5.$20/yr Lyft Credits
              MASTERCARD
              Core Rate
              1.2¢
              per dollar on general
              $95/yr
              Annual rewards$74.93
              \u2212 Annual fee$95
              Net annual value-$20.07
              Chase Sapphire Reserve
              16

              Chase Sapphire Reserve

              Chase

              4x Ultimate Rewards on General via Direct
              4x × 1.8¢/pt = 1.8¢ per dollar

              Why this card

              1. 1.4x on all other — points worth 1.8¢ each ($107.57/yr on $6,000 spend)
              2. 2.$240/yr Annual Travel Credit
              3. 3.$125/yr Select Hotels Credit (2026)
              4. 4.$60/yr Lyft Monthly Credit
              5. 5.Air Canada Maple Leaf Lounge Access
              VISA
              Core Rate
              1.8¢
              per dollar on general
              $795/yr($127.25 in credits)
              Annual rewards$107.57
              + Credits$127.25
              \u2212 Annual fee$795
              Net annual value-$560.18
              Rakuten American Express Card
              17

              Rakuten American Express Card

              First Electronic Bank

              1% cash back on General

              Convertible Cash Back — 1.0–2.0¢/$

              This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

              Why this card

              1. 1.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
              1.0–2.0¢
              per dollar on general
              depending on redemption
              No annual fee
              Annual rewards$79.90
              Net annual value$79.90
              Navy Federal Visa cashRewards Card
              18

              Navy Federal Visa cashRewards Card

              Navy Federal

              1.5% cash back on General

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.Auto Rental Collision Damage Waiver
              3. 3.Visa Signature Rental Car Privileges
              4. 4.$5/yr Booking.com Travel Credits
              5. 5.GigSky Mobile Data (Visa Signature)

              No annual fee

              VISA
              1.3¢
              per dollar on general
              No annual fee
              Annual rewards$76.50
              Net annual value$76.50
              Bank of America Unlimited Cash Rewards Credit Card
              19

              Bank of America Unlimited Cash Rewards Credit Card

              Bank Of America

              2% cash back on General

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.Visa Signature Rental Car Privileges
              3. 3.$5/yr Booking.com Travel Credits
              4. 4.GigSky Mobile Data (Visa Signature)

              No annual fee

              VISA
              1.7¢
              per dollar on general
              No annual fee
              Annual rewards$102
              Net annual value$102
              Capital One Quicksilver Student Cash Rewards Credit Card
              20

              Capital One Quicksilver Student Cash Rewards Credit Card

              Capital One

              1.5% cash back on General

              Why this card

              1. 1.$144/yr Complimentary Uber One Membership
              2. 2.Travel Insurance

              No annual fee

              MASTERCARD
              1.3¢
              per dollar on general
              No annual fee
              Annual rewards$76.50
              Net annual value$76.50
              Synchrony Premier Mastercard
              21

              Synchrony Premier Mastercard

              Synchrony

              2% cash back on General

              Why this card

                No annual fee

                MASTERCARD
                1.7¢
                per dollar on general
                No annual fee
                Annual rewards$102
                Net annual value$102
                Hilton Honors American Express Card
                22

                Hilton Honors American Express Card

                Amex

                3x Hilton Honors on General
                3x × 0.5¢/pt = 1.3¢ per dollar

                Why this card

                1. 1.Global Assist Hotline

                No annual fee

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

                AMEX
                1.3¢
                per dollar on general
                No annual fee
                Annual rewards$76.50
                Net annual value$76.50
                Discover it® Miles
                23

                Discover it® Miles

                Discover

                1.5x Cashback on General
                1.5x × 1.0¢/pt = 1.3¢ per dollar

                Why this card

                  No annual fee

                  Discover has very limited international acceptance

                  DISCOVER
                  1.3¢
                  per dollar on general
                  No annual fee
                  Annual rewards$76.50
                  Net annual value$76.50
                  No image
                  24

                  BMO Escape

                  Bmo

                  4x points on General

                  Why this card

                  1. 1.4x on all other ($46.80/yr on $6,000 spend)
                  2. 2.PriorityPass Airport Lounge Access
                  3. 3.$25/yr Unwind with a $240 hotel credit
                  4. 4.MasterRental Car Rental Coverage

                  $12.50 in credits offset the $150 fee

                  MASTERCARD
                  Core Rate
                  0.8¢
                  per dollar on general
                  $150/yr($12.50 in credits)
                  Annual rewards$46.80
                  + Credits$12.50
                  \u2212 Annual fee$150
                  Net annual value-$90.70

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

                  Upgrade Visa Card with Cash Rewards
                  25

                  Upgrade Visa Card with Cash Rewards

                  Upgrade

                  1.5% cash back on General

                  Why this card

                  1. 1.Auto Rental Collision Damage Waiver
                  2. 2.Visa Signature Rental Car Privileges
                  3. 3.$5/yr Booking.com Travel Credits
                  4. 4.GigSky Mobile Data (Visa Signature)

                  No annual fee

                  VISA
                  1.3¢
                  per dollar on general
                  No annual fee
                  Annual rewards$76.50
                  Net annual value$76.50
                  Capital One QuicksilverOne Cash Rewards Credit Card
                  26

                  Capital One QuicksilverOne Cash Rewards Credit Card

                  Capital One

                  1.5x Cashback on General
                  1.5x × 1.0¢/pt = 1.3¢ per dollar

                  Why this card

                  1. 1.$36/yr Complimentary Uber One Membership (6 Months)
                  2. 2.24/7 Travel Assistance Services
                  MASTERCARD
                  1.3¢
                  per dollar on general
                  $39/yr
                  Annual rewards$76.50
                  \u2212 Annual fee$39
                  Net annual value$37.50
                  U.S. Bank Shield Visa Card
                  27

                  U.S. Bank Shield Visa Card

                  Usbank

                  4% cash back on General via Portal

                  Why this card

                  1. 1.4% cash back on all other ($57.60/yr on $6,000 spend)

                  No annual fee

                  VISA
                  Core Rate
                  1.0¢
                  per dollar on general
                  No annual fee($10 in credits)
                  Annual rewards$57.60
                  + Credits$10
                  Net annual value$67.60
                  No image
                  28

                  Firstcard Secured Credit Builder Card

                  Firstcard

                  1.5% cash back on General

                  Why this card

                    No annual fee

                    VISA
                    1.3¢
                    per dollar on general
                    No annual fee
                    Annual rewards$76.50
                    Net annual value$76.50
                    Capital One VentureOne Rewards Credit Card
                    29

                    Capital One VentureOne Rewards Credit Card

                    Capital One

                    5x Venture Miles on General via Portal
                    5x × 1.9¢/pt = 1.2¢ per dollar

                    Why this card

                    1. 1.5x on all other — points worth 1.9¢ each ($74.93/yr on $6,000 spend)

                    No annual fee

                    MASTERCARD
                    Core Rate
                    1.2¢
                    per dollar on general
                    No annual fee
                    Annual rewards$74.93
                    Net annual value$74.93
                    PayPal Cashback Mastercard
                    30

                    PayPal Cashback Mastercard

                    Synchrony

                    1.5% cash back on General

                    Why this card

                    1. 1.Priority Pass Select Lounge Access
                    2. 2.$20/yr Lyft Credits

                    No annual fee

                    MASTERCARD
                    1.3¢
                    per dollar on general
                    No annual fee
                    Annual rewards$76.50
                    Net annual value$76.50