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

No annual fee only?

Avoid Amex network?

Already have a premium card?

Resolved as:Shopping
Merchant: MINI
Cached
95%
Shopping is a broad category. Many cards offer bonuses for specific retailers or subcategories like online shopping, department stores, or wholesale clubs.
Not right? Try:
56 matches3996ms
No image
1

Capital One Venture X Rewards Credit Card

Capital One

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

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.1¢
    per dollar on shopping
    $395/yr($315 in credits)
    Annual rewards$188.70
    + Credits$315
    \u2212 Annual fee$395
    Net annual value$108.70
    U.S. Bank Cash+® Visa Signature® Card
    2

    U.S. Bank Cash+® Visa Signature® Card

    Usbank

    5% cash back on Shopping

    Why this card

    1. 1.5% cash back on Shopping ($150/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.5¢
    per dollar on shopping
    No annual fee
    Annual rewards$150
    Net annual value$150

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

    No image
    3

    The Platinum Card from American Express

    Amex

    1x Membership Rewards on Shopping
    1x × 1.8¢/pt = 1.5¢ per dollar

    Why this card

    1. 1.$150/yr Lululemon Credit
    2. 2.$78/yr Walmart+ Membership Credit

    $1,224.50 in credits fully offsets the $895 fee

    AMEX
    1.5¢
    per dollar on shopping
    $895/yr($1,224.50 in credits)
    Annual rewards$91.80
    + Credits$1,224.50
    \u2212 Annual fee$895
    Net annual value$421.30
    Bank of America® Customized Cash Rewards for Students
    4

    Bank of America® Customized Cash Rewards for Students

    Bank Of America

    3x points on Shopping

    Why this card

    1. 1.3x on Shopping ($144/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.4¢
    per dollar on shopping
    No annual fee($8 in credits)
    Annual rewards$144
    + Credits$8
    Net annual value$152

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

    Citi Strata Elite℠ Card
    5

    Citi Strata Elite℠ Card

    Citi

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

    Why this card

    1. 1.Travel and Shopping Protection

    $762.50 in credits fully offsets the $595 fee

    MASTERCARD
    1.9¢
    per dollar on shopping
    $595/yr($762.50 in credits)
    Annual rewards$114.75
    + Credits$762.50
    \u2212 Annual fee$595
    Net annual value$282.25
    Bank of America Customized Cash Rewards Credit Card
    6

    Bank of America Customized Cash Rewards Credit Card

    Bank Of America

    3x Bank Of America Points on Shopping
    3x × 1.0¢/pt = 2.4¢ per dollar

    Why this card

    1. 1.3x on Shopping — points worth 1.0¢ each ($144/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.4¢
    per dollar on shopping
    No annual fee($8 in credits)
    Annual rewards$144
    + Credits$8
    Net annual value$152

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

    No image
    7

    Bilt Palladium Card

    Cardless

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

    Why this card

    1. 1.$100/yr $200 of Bilt Cash

    $200 in credits offset the $495 fee

    MASTERCARD
    1.7¢
    per dollar on shopping
    $495/yr($200 in credits)
    Annual rewards$102
    + Credits$200
    \u2212 Annual fee$495
    Net annual value-$193
    Blue Cash Everyday Card from American Express
    8

    Blue Cash Everyday Card from American Express

    Amex

    3x Cashback on Shopping
    3x × 1.0¢/pt = 1.9¢ per dollar

    Why this card

    1. 1.3x on Shopping — points worth 1.0¢ each ($114/yr on $6,000 spend)

    No annual fee

    AMEX
    Core Rate
    1.9¢
    per dollar on shopping
    No annual fee($60 in credits)
    Annual rewards$114
    + Credits$60
    Net annual value$174

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

    Capital One VentureOne Rewards Credit Card
    9

    Capital One VentureOne Rewards Credit Card

    Capital One

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

    Why this card

      No annual fee

      MASTERCARD
      2.0¢
      per dollar on shopping
      No annual fee
      Annual rewards$117.94
      Net annual value$117.94
      Fidelity Rewards Visa Signature Card
      10

      Fidelity Rewards Visa Signature Card

      Elan Financial

      2% cash back on Shopping

      Why this card

        No annual fee

        VISA
        1.7¢
        per dollar on shopping
        No annual fee($8 in credits)
        Annual rewards$102
        + Credits$8
        Net annual value$110
        Susan G. Komen® Customized Cash Rewards
        11

        Susan G. Komen® Customized Cash Rewards

        Bank Of America

        3x points on Shopping

        Why this card

        1. 1.3x on Shopping ($144/yr on $6,000 spend)

        No annual fee

        VISA
        Core Rate
        2.4¢
        per dollar on shopping
        No annual fee($8 in credits)
        Annual rewards$144
        + Credits$8
        Net annual value$152

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

        Bank of America® Customized Cash Rewards Secured
        12

        Bank of America® Customized Cash Rewards Secured

        Bank Of America

        3x points on Shopping

        Why this card

        1. 1.3x on Shopping ($144/yr on $6,000 spend)

        No annual fee

        VISA
        Core Rate
        2.4¢
        per dollar on shopping
        No annual fee
        Annual rewards$144
        Net annual value$144

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

        Chase Sapphire Reserve
        13

        Chase Sapphire Reserve

        Chase

        1x Ultimate Rewards on Shopping
        1x × 1.8¢/pt = 1.5¢ per dollar

        Why this card

          $968 in credits fully offsets the $795 fee

          VISA
          1.5¢
          per dollar on shopping
          $795/yr($968 in credits)
          Annual rewards$91.80
          + Credits$968
          \u2212 Annual fee$795
          Net annual value$264.80
          U.S. Bank Smartly Visa Signature Card
          14

          U.S. Bank Smartly Visa Signature Card

          Usbank

          2% cash back on Shopping

          Why this card

            No annual fee

            VISA
            1.7¢
            per dollar on shopping
            No annual fee($8 in credits)
            Annual rewards$102
            + Credits$8
            Net annual value$110
            Navy Federal Flagship Rewards® Card
            15

            Navy Federal Flagship Rewards® Card

            Navy Federal

            2x Navy Federal Nrewards on Shopping
            2x × 1.0¢/pt = 1.7¢ per dollar

            Why this card

              No annual fee

              VISA
              1.7¢
              per dollar on shopping
              No annual fee($8 in credits)
              Annual rewards$102
              + Credits$8
              Net annual value$110
              No image
              16

              Verizon Visa Card

              Synchrony

              2% cash back on Shopping

              Why this card

                No annual fee

                VISA
                1.7¢
                per dollar on shopping
                No annual fee($8 in credits)
                Annual rewards$102
                + Credits$8
                Net annual value$110
                Wells Fargo Active Cash Card
                17

                Wells Fargo Active Cash Card

                Wells Fargo

                2% cash back on Shopping

                Why this card

                  No annual fee

                  VISA
                  1.7¢
                  per dollar on shopping
                  No annual fee($8 in credits)
                  Annual rewards$102
                  + Credits$8
                  Net annual value$110
                  No image
                  18

                  TD Double Up Credit Card

                  Td Bank

                  2% cash back on Shopping

                  Why this card

                    No annual fee

                    VISA
                    1.7¢
                    per dollar on shopping
                    No annual fee($8 in credits)
                    Annual rewards$102
                    + Credits$8
                    Net annual value$110
                    No image
                    19

                    One Key+ Card

                    Wells Fargo

                    2% cash back on Shopping

                    Why this card

                      No annual fee

                      MASTERCARD
                      1.7¢
                      per dollar on shopping
                      No annual fee
                      Annual rewards$102
                      Net annual value$102
                      No image
                      20

                      Jasper Cash Back Mastercard

                      Webbank

                      2% cash back on Shopping

                      Why this card

                        No annual fee

                        MASTERCARD
                        1.7¢
                        per dollar on shopping
                        No annual fee
                        Annual rewards$102
                        Net annual value$102
                        Citi Custom Cash Card
                        21

                        Citi Custom Cash Card

                        Citi

                        5% cash back on Shopping

                        Why this card

                        1. 1.5% cash back on Shopping ($90/yr on $6,000 spend)

                        No annual fee

                        MASTERCARD
                        Core Rate
                        1.5¢
                        per dollar on shopping
                        No annual fee($30 in credits)
                        Annual rewards$90
                        + Credits$30
                        Net annual value$120

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

                        Bank of America Unlimited Cash Rewards Credit Card
                        22

                        Bank of America Unlimited Cash Rewards Credit Card

                        Bank Of America

                        2% cash back on Shopping

                        Why this card

                          No annual fee

                          VISA
                          1.7¢
                          per dollar on shopping
                          No annual fee($8 in credits)
                          Annual rewards$102
                          + Credits$8
                          Net annual value$110
                          Bank of America® Unlimited Cash Rewards for Students
                          23

                          Bank of America® Unlimited Cash Rewards for Students

                          Bank Of America

                          2% cash back on Shopping

                          Why this card

                            No annual fee

                            VISA
                            1.7¢
                            per dollar on shopping
                            No annual fee($8 in credits)
                            Annual rewards$102
                            + Credits$8
                            Net annual value$110
                            Synchrony Premier Mastercard
                            24

                            Synchrony Premier Mastercard

                            Synchrony

                            2% cash back on Shopping

                            Why this card

                              No annual fee

                              MASTERCARD
                              1.7¢
                              per dollar on shopping
                              No annual fee
                              Annual rewards$102
                              Net annual value$102
                              Bilt Blue Card
                              25

                              Bilt Blue Card

                              Cardless

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

                              Why this card

                                No annual fee

                                MASTERCARD
                                1.7¢
                                per dollar on shopping
                                No annual fee
                                Annual rewards$102
                                Net annual value$102
                                No image
                                26

                                SoFi Credit Card

                                Sofi

                                2% cash back on Shopping

                                Why this card

                                  No annual fee

                                  MASTERCARD
                                  1.7¢
                                  per dollar on shopping
                                  No annual fee
                                  Annual rewards$102
                                  Net annual value$102
                                  Citi Double Cash Card
                                  27

                                  Citi Double Cash Card

                                  Citi

                                  2% cash back on Shopping

                                  Why this card

                                    No annual fee

                                    MASTERCARD
                                    1.7¢
                                    per dollar on shopping
                                    No annual fee
                                    Annual rewards$102
                                    Net annual value$102
                                    Rakuten American Express Card
                                    28

                                    Rakuten American Express Card

                                    First Electronic Bank

                                    1% cash back on Shopping

                                    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
                                    Convertible
                                    1.0–2.0¢
                                    per dollar on shopping
                                    depending on redemption
                                    No annual fee
                                    Annual rewards$79.90
                                    Net annual value$79.90
                                    Bilt Obsidian Card
                                    29

                                    Bilt Obsidian Card

                                    Cardless

                                    1x Bilt Rewards on Shopping
                                    1x × 2.0¢/pt = 1.7¢ per dollar
                                    MASTERCARD
                                    1.7¢
                                    per dollar on shopping
                                    $95/yr
                                    Annual rewards$102
                                    \u2212 Annual fee$95
                                    Net annual value$7
                                    Chase Sapphire Preferred Card
                                    30

                                    Chase Sapphire Preferred Card

                                    Chase

                                    1x Ultimate Rewards on Shopping
                                    1x × 1.8¢/pt = 1.5¢ per dollar

                                    Why this card

                                      $93 in credits offset the $95 fee

                                      VISA
                                      1.5¢
                                      per dollar on shopping
                                      $95/yr($93 in credits)
                                      Annual rewards$91.80
                                      + Credits$93
                                      \u2212 Annual fee$95
                                      Net annual value$89.80

                                      Results from

                                      $6,000

                                      Scoring mode

                                      Options

                                      Point valuation

                                      Booking

                                      Rewards

                                      Programs

                                      Networks

                                      Refine results

                                      No annual fee only?

                                      Avoid Amex network?

                                      Already have a premium card?

                                      Resolved as:Shopping
                                      Merchant: MINI
                                      Cached
                                      95%
                                      Shopping is a broad category. Many cards offer bonuses for specific retailers or subcategories like online shopping, department stores, or wholesale clubs.
                                      Not right? Try:
                                      56 matches3996ms
                                      No image
                                      1

                                      Capital One Venture X Rewards Credit Card

                                      Capital One

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

                                      Why this card

                                        $315 in credits offset the $395 fee

                                        VISA
                                        3.1¢
                                        per dollar on shopping
                                        $395/yr($315 in credits)
                                        Annual rewards$188.70
                                        + Credits$315
                                        \u2212 Annual fee$395
                                        Net annual value$108.70
                                        U.S. Bank Cash+® Visa Signature® Card
                                        2

                                        U.S. Bank Cash+® Visa Signature® Card

                                        Usbank

                                        5% cash back on Shopping

                                        Why this card

                                        1. 1.5% cash back on Shopping ($150/yr on $6,000 spend)

                                        No annual fee

                                        VISA
                                        Core Rate
                                        2.5¢
                                        per dollar on shopping
                                        No annual fee
                                        Annual rewards$150
                                        Net annual value$150

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

                                        No image
                                        3

                                        The Platinum Card from American Express

                                        Amex

                                        1x Membership Rewards on Shopping
                                        1x × 1.8¢/pt = 1.5¢ per dollar

                                        Why this card

                                        1. 1.$150/yr Lululemon Credit
                                        2. 2.$78/yr Walmart+ Membership Credit

                                        $1,224.50 in credits fully offsets the $895 fee

                                        AMEX
                                        1.5¢
                                        per dollar on shopping
                                        $895/yr($1,224.50 in credits)
                                        Annual rewards$91.80
                                        + Credits$1,224.50
                                        \u2212 Annual fee$895
                                        Net annual value$421.30
                                        Bank of America® Customized Cash Rewards for Students
                                        4

                                        Bank of America® Customized Cash Rewards for Students

                                        Bank Of America

                                        3x points on Shopping

                                        Why this card

                                        1. 1.3x on Shopping ($144/yr on $6,000 spend)

                                        No annual fee

                                        VISA
                                        Core Rate
                                        2.4¢
                                        per dollar on shopping
                                        No annual fee($8 in credits)
                                        Annual rewards$144
                                        + Credits$8
                                        Net annual value$152

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

                                        Citi Strata Elite℠ Card
                                        5

                                        Citi Strata Elite℠ Card

                                        Citi

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

                                        Why this card

                                        1. 1.Travel and Shopping Protection

                                        $762.50 in credits fully offsets the $595 fee

                                        MASTERCARD
                                        1.9¢
                                        per dollar on shopping
                                        $595/yr($762.50 in credits)
                                        Annual rewards$114.75
                                        + Credits$762.50
                                        \u2212 Annual fee$595
                                        Net annual value$282.25
                                        Bank of America Customized Cash Rewards Credit Card
                                        6

                                        Bank of America Customized Cash Rewards Credit Card

                                        Bank Of America

                                        3x Bank Of America Points on Shopping
                                        3x × 1.0¢/pt = 2.4¢ per dollar

                                        Why this card

                                        1. 1.3x on Shopping — points worth 1.0¢ each ($144/yr on $6,000 spend)

                                        No annual fee

                                        VISA
                                        Core Rate
                                        2.4¢
                                        per dollar on shopping
                                        No annual fee($8 in credits)
                                        Annual rewards$144
                                        + Credits$8
                                        Net annual value$152

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

                                        No image
                                        7

                                        Bilt Palladium Card

                                        Cardless

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

                                        Why this card

                                        1. 1.$100/yr $200 of Bilt Cash

                                        $200 in credits offset the $495 fee

                                        MASTERCARD
                                        1.7¢
                                        per dollar on shopping
                                        $495/yr($200 in credits)
                                        Annual rewards$102
                                        + Credits$200
                                        \u2212 Annual fee$495
                                        Net annual value-$193
                                        Blue Cash Everyday Card from American Express
                                        8

                                        Blue Cash Everyday Card from American Express

                                        Amex

                                        3x Cashback on Shopping
                                        3x × 1.0¢/pt = 1.9¢ per dollar

                                        Why this card

                                        1. 1.3x on Shopping — points worth 1.0¢ each ($114/yr on $6,000 spend)

                                        No annual fee

                                        AMEX
                                        Core Rate
                                        1.9¢
                                        per dollar on shopping
                                        No annual fee($60 in credits)
                                        Annual rewards$114
                                        + Credits$60
                                        Net annual value$174

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

                                        Capital One VentureOne Rewards Credit Card
                                        9

                                        Capital One VentureOne Rewards Credit Card

                                        Capital One

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

                                        Why this card

                                          No annual fee

                                          MASTERCARD
                                          2.0¢
                                          per dollar on shopping
                                          No annual fee
                                          Annual rewards$117.94
                                          Net annual value$117.94
                                          Fidelity Rewards Visa Signature Card
                                          10

                                          Fidelity Rewards Visa Signature Card

                                          Elan Financial

                                          2% cash back on Shopping

                                          Why this card

                                            No annual fee

                                            VISA
                                            1.7¢
                                            per dollar on shopping
                                            No annual fee($8 in credits)
                                            Annual rewards$102
                                            + Credits$8
                                            Net annual value$110
                                            Susan G. Komen® Customized Cash Rewards
                                            11

                                            Susan G. Komen® Customized Cash Rewards

                                            Bank Of America

                                            3x points on Shopping

                                            Why this card

                                            1. 1.3x on Shopping ($144/yr on $6,000 spend)

                                            No annual fee

                                            VISA
                                            Core Rate
                                            2.4¢
                                            per dollar on shopping
                                            No annual fee($8 in credits)
                                            Annual rewards$144
                                            + Credits$8
                                            Net annual value$152

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

                                            Bank of America® Customized Cash Rewards Secured
                                            12

                                            Bank of America® Customized Cash Rewards Secured

                                            Bank Of America

                                            3x points on Shopping

                                            Why this card

                                            1. 1.3x on Shopping ($144/yr on $6,000 spend)

                                            No annual fee

                                            VISA
                                            Core Rate
                                            2.4¢
                                            per dollar on shopping
                                            No annual fee
                                            Annual rewards$144
                                            Net annual value$144

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

                                            Chase Sapphire Reserve
                                            13

                                            Chase Sapphire Reserve

                                            Chase

                                            1x Ultimate Rewards on Shopping
                                            1x × 1.8¢/pt = 1.5¢ per dollar

                                            Why this card

                                              $968 in credits fully offsets the $795 fee

                                              VISA
                                              1.5¢
                                              per dollar on shopping
                                              $795/yr($968 in credits)
                                              Annual rewards$91.80
                                              + Credits$968
                                              \u2212 Annual fee$795
                                              Net annual value$264.80
                                              U.S. Bank Smartly Visa Signature Card
                                              14

                                              U.S. Bank Smartly Visa Signature Card

                                              Usbank

                                              2% cash back on Shopping

                                              Why this card

                                                No annual fee

                                                VISA
                                                1.7¢
                                                per dollar on shopping
                                                No annual fee($8 in credits)
                                                Annual rewards$102
                                                + Credits$8
                                                Net annual value$110
                                                Navy Federal Flagship Rewards® Card
                                                15

                                                Navy Federal Flagship Rewards® Card

                                                Navy Federal

                                                2x Navy Federal Nrewards on Shopping
                                                2x × 1.0¢/pt = 1.7¢ per dollar

                                                Why this card

                                                  No annual fee

                                                  VISA
                                                  1.7¢
                                                  per dollar on shopping
                                                  No annual fee($8 in credits)
                                                  Annual rewards$102
                                                  + Credits$8
                                                  Net annual value$110
                                                  No image
                                                  16

                                                  Verizon Visa Card

                                                  Synchrony

                                                  2% cash back on Shopping

                                                  Why this card

                                                    No annual fee

                                                    VISA
                                                    1.7¢
                                                    per dollar on shopping
                                                    No annual fee($8 in credits)
                                                    Annual rewards$102
                                                    + Credits$8
                                                    Net annual value$110
                                                    Wells Fargo Active Cash Card
                                                    17

                                                    Wells Fargo Active Cash Card

                                                    Wells Fargo

                                                    2% cash back on Shopping

                                                    Why this card

                                                      No annual fee

                                                      VISA
                                                      1.7¢
                                                      per dollar on shopping
                                                      No annual fee($8 in credits)
                                                      Annual rewards$102
                                                      + Credits$8
                                                      Net annual value$110
                                                      No image
                                                      18

                                                      TD Double Up Credit Card

                                                      Td Bank

                                                      2% cash back on Shopping

                                                      Why this card

                                                        No annual fee

                                                        VISA
                                                        1.7¢
                                                        per dollar on shopping
                                                        No annual fee($8 in credits)
                                                        Annual rewards$102
                                                        + Credits$8
                                                        Net annual value$110
                                                        No image
                                                        19

                                                        One Key+ Card

                                                        Wells Fargo

                                                        2% cash back on Shopping

                                                        Why this card

                                                          No annual fee

                                                          MASTERCARD
                                                          1.7¢
                                                          per dollar on shopping
                                                          No annual fee
                                                          Annual rewards$102
                                                          Net annual value$102
                                                          No image
                                                          20

                                                          Jasper Cash Back Mastercard

                                                          Webbank

                                                          2% cash back on Shopping

                                                          Why this card

                                                            No annual fee

                                                            MASTERCARD
                                                            1.7¢
                                                            per dollar on shopping
                                                            No annual fee
                                                            Annual rewards$102
                                                            Net annual value$102
                                                            Citi Custom Cash Card
                                                            21

                                                            Citi Custom Cash Card

                                                            Citi

                                                            5% cash back on Shopping

                                                            Why this card

                                                            1. 1.5% cash back on Shopping ($90/yr on $6,000 spend)

                                                            No annual fee

                                                            MASTERCARD
                                                            Core Rate
                                                            1.5¢
                                                            per dollar on shopping
                                                            No annual fee($30 in credits)
                                                            Annual rewards$90
                                                            + Credits$30
                                                            Net annual value$120

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

                                                            Bank of America Unlimited Cash Rewards Credit Card
                                                            22

                                                            Bank of America Unlimited Cash Rewards Credit Card

                                                            Bank Of America

                                                            2% cash back on Shopping

                                                            Why this card

                                                              No annual fee

                                                              VISA
                                                              1.7¢
                                                              per dollar on shopping
                                                              No annual fee($8 in credits)
                                                              Annual rewards$102
                                                              + Credits$8
                                                              Net annual value$110
                                                              Bank of America® Unlimited Cash Rewards for Students
                                                              23

                                                              Bank of America® Unlimited Cash Rewards for Students

                                                              Bank Of America

                                                              2% cash back on Shopping

                                                              Why this card

                                                                No annual fee

                                                                VISA
                                                                1.7¢
                                                                per dollar on shopping
                                                                No annual fee($8 in credits)
                                                                Annual rewards$102
                                                                + Credits$8
                                                                Net annual value$110
                                                                Synchrony Premier Mastercard
                                                                24

                                                                Synchrony Premier Mastercard

                                                                Synchrony

                                                                2% cash back on Shopping

                                                                Why this card

                                                                  No annual fee

                                                                  MASTERCARD
                                                                  1.7¢
                                                                  per dollar on shopping
                                                                  No annual fee
                                                                  Annual rewards$102
                                                                  Net annual value$102
                                                                  Bilt Blue Card
                                                                  25

                                                                  Bilt Blue Card

                                                                  Cardless

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

                                                                  Why this card

                                                                    No annual fee

                                                                    MASTERCARD
                                                                    1.7¢
                                                                    per dollar on shopping
                                                                    No annual fee
                                                                    Annual rewards$102
                                                                    Net annual value$102
                                                                    No image
                                                                    26

                                                                    SoFi Credit Card

                                                                    Sofi

                                                                    2% cash back on Shopping

                                                                    Why this card

                                                                      No annual fee

                                                                      MASTERCARD
                                                                      1.7¢
                                                                      per dollar on shopping
                                                                      No annual fee
                                                                      Annual rewards$102
                                                                      Net annual value$102
                                                                      Citi Double Cash Card
                                                                      27

                                                                      Citi Double Cash Card

                                                                      Citi

                                                                      2% cash back on Shopping

                                                                      Why this card

                                                                        No annual fee

                                                                        MASTERCARD
                                                                        1.7¢
                                                                        per dollar on shopping
                                                                        No annual fee
                                                                        Annual rewards$102
                                                                        Net annual value$102
                                                                        Rakuten American Express Card
                                                                        28

                                                                        Rakuten American Express Card

                                                                        First Electronic Bank

                                                                        1% cash back on Shopping

                                                                        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
                                                                        Convertible
                                                                        1.0–2.0¢
                                                                        per dollar on shopping
                                                                        depending on redemption
                                                                        No annual fee
                                                                        Annual rewards$79.90
                                                                        Net annual value$79.90
                                                                        Bilt Obsidian Card
                                                                        29

                                                                        Bilt Obsidian Card

                                                                        Cardless

                                                                        1x Bilt Rewards on Shopping
                                                                        1x × 2.0¢/pt = 1.7¢ per dollar
                                                                        MASTERCARD
                                                                        1.7¢
                                                                        per dollar on shopping
                                                                        $95/yr
                                                                        Annual rewards$102
                                                                        \u2212 Annual fee$95
                                                                        Net annual value$7
                                                                        Chase Sapphire Preferred Card
                                                                        30

                                                                        Chase Sapphire Preferred Card

                                                                        Chase

                                                                        1x Ultimate Rewards on Shopping
                                                                        1x × 1.8¢/pt = 1.5¢ per dollar

                                                                        Why this card

                                                                          $93 in credits offset the $95 fee

                                                                          VISA
                                                                          1.5¢
                                                                          per dollar on shopping
                                                                          $95/yr($93 in credits)
                                                                          Annual rewards$91.80
                                                                          + Credits$93
                                                                          \u2212 Annual fee$95
                                                                          Net annual value$89.80

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                                                                          $6,000

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                                                                          Resolved as:Shopping
                                                                          Merchant: MINI
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                                                                          Shopping is a broad category. Many cards offer bonuses for specific retailers or subcategories like online shopping, department stores, or wholesale clubs.
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                                                                          1

                                                                          Capital One Venture X Rewards Credit Card

                                                                          Capital One

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

                                                                          Why this card

                                                                            $315 in credits offset the $395 fee

                                                                            VISA
                                                                            3.1¢
                                                                            per dollar on shopping
                                                                            $395/yr($315 in credits)
                                                                            Annual rewards$188.70
                                                                            + Credits$315
                                                                            \u2212 Annual fee$395
                                                                            Net annual value$108.70
                                                                            U.S. Bank Cash+® Visa Signature® Card
                                                                            2

                                                                            U.S. Bank Cash+® Visa Signature® Card

                                                                            Usbank

                                                                            5% cash back on Shopping

                                                                            Why this card

                                                                            1. 1.5% cash back on Shopping ($150/yr on $6,000 spend)

                                                                            No annual fee

                                                                            VISA
                                                                            Core Rate
                                                                            2.5¢
                                                                            per dollar on shopping
                                                                            No annual fee
                                                                            Annual rewards$150
                                                                            Net annual value$150

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

                                                                            No image
                                                                            3

                                                                            The Platinum Card from American Express

                                                                            Amex

                                                                            1x Membership Rewards on Shopping
                                                                            1x × 1.8¢/pt = 1.5¢ per dollar

                                                                            Why this card

                                                                            1. 1.$150/yr Lululemon Credit
                                                                            2. 2.$78/yr Walmart+ Membership Credit

                                                                            $1,224.50 in credits fully offsets the $895 fee

                                                                            AMEX
                                                                            1.5¢
                                                                            per dollar on shopping
                                                                            $895/yr($1,224.50 in credits)
                                                                            Annual rewards$91.80
                                                                            + Credits$1,224.50
                                                                            \u2212 Annual fee$895
                                                                            Net annual value$421.30
                                                                            Bank of America® Customized Cash Rewards for Students
                                                                            4

                                                                            Bank of America® Customized Cash Rewards for Students

                                                                            Bank Of America

                                                                            3x points on Shopping

                                                                            Why this card

                                                                            1. 1.3x on Shopping ($144/yr on $6,000 spend)

                                                                            No annual fee

                                                                            VISA
                                                                            Core Rate
                                                                            2.4¢
                                                                            per dollar on shopping
                                                                            No annual fee($8 in credits)
                                                                            Annual rewards$144
                                                                            + Credits$8
                                                                            Net annual value$152

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

                                                                            Citi Strata Elite℠ Card
                                                                            5

                                                                            Citi Strata Elite℠ Card

                                                                            Citi

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

                                                                            Why this card

                                                                            1. 1.Travel and Shopping Protection

                                                                            $762.50 in credits fully offsets the $595 fee

                                                                            MASTERCARD
                                                                            1.9¢
                                                                            per dollar on shopping
                                                                            $595/yr($762.50 in credits)
                                                                            Annual rewards$114.75
                                                                            + Credits$762.50
                                                                            \u2212 Annual fee$595
                                                                            Net annual value$282.25
                                                                            Bank of America Customized Cash Rewards Credit Card
                                                                            6

                                                                            Bank of America Customized Cash Rewards Credit Card

                                                                            Bank Of America

                                                                            3x Bank Of America Points on Shopping
                                                                            3x × 1.0¢/pt = 2.4¢ per dollar

                                                                            Why this card

                                                                            1. 1.3x on Shopping — points worth 1.0¢ each ($144/yr on $6,000 spend)

                                                                            No annual fee

                                                                            VISA
                                                                            Core Rate
                                                                            2.4¢
                                                                            per dollar on shopping
                                                                            No annual fee($8 in credits)
                                                                            Annual rewards$144
                                                                            + Credits$8
                                                                            Net annual value$152

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

                                                                            No image
                                                                            7

                                                                            Bilt Palladium Card

                                                                            Cardless

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

                                                                            Why this card

                                                                            1. 1.$100/yr $200 of Bilt Cash

                                                                            $200 in credits offset the $495 fee

                                                                            MASTERCARD
                                                                            1.7¢
                                                                            per dollar on shopping
                                                                            $495/yr($200 in credits)
                                                                            Annual rewards$102
                                                                            + Credits$200
                                                                            \u2212 Annual fee$495
                                                                            Net annual value-$193
                                                                            Blue Cash Everyday Card from American Express
                                                                            8

                                                                            Blue Cash Everyday Card from American Express

                                                                            Amex

                                                                            3x Cashback on Shopping
                                                                            3x × 1.0¢/pt = 1.9¢ per dollar

                                                                            Why this card

                                                                            1. 1.3x on Shopping — points worth 1.0¢ each ($114/yr on $6,000 spend)

                                                                            No annual fee

                                                                            AMEX
                                                                            Core Rate
                                                                            1.9¢
                                                                            per dollar on shopping
                                                                            No annual fee($60 in credits)
                                                                            Annual rewards$114
                                                                            + Credits$60
                                                                            Net annual value$174

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

                                                                            Capital One VentureOne Rewards Credit Card
                                                                            9

                                                                            Capital One VentureOne Rewards Credit Card

                                                                            Capital One

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

                                                                            Why this card

                                                                              No annual fee

                                                                              MASTERCARD
                                                                              2.0¢
                                                                              per dollar on shopping
                                                                              No annual fee
                                                                              Annual rewards$117.94
                                                                              Net annual value$117.94
                                                                              Fidelity Rewards Visa Signature Card
                                                                              10

                                                                              Fidelity Rewards Visa Signature Card

                                                                              Elan Financial

                                                                              2% cash back on Shopping

                                                                              Why this card

                                                                                No annual fee

                                                                                VISA
                                                                                1.7¢
                                                                                per dollar on shopping
                                                                                No annual fee($8 in credits)
                                                                                Annual rewards$102
                                                                                + Credits$8
                                                                                Net annual value$110
                                                                                Susan G. Komen® Customized Cash Rewards
                                                                                11

                                                                                Susan G. Komen® Customized Cash Rewards

                                                                                Bank Of America

                                                                                3x points on Shopping

                                                                                Why this card

                                                                                1. 1.3x on Shopping ($144/yr on $6,000 spend)

                                                                                No annual fee

                                                                                VISA
                                                                                Core Rate
                                                                                2.4¢
                                                                                per dollar on shopping
                                                                                No annual fee($8 in credits)
                                                                                Annual rewards$144
                                                                                + Credits$8
                                                                                Net annual value$152

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

                                                                                Bank of America® Customized Cash Rewards Secured
                                                                                12

                                                                                Bank of America® Customized Cash Rewards Secured

                                                                                Bank Of America

                                                                                3x points on Shopping

                                                                                Why this card

                                                                                1. 1.3x on Shopping ($144/yr on $6,000 spend)

                                                                                No annual fee

                                                                                VISA
                                                                                Core Rate
                                                                                2.4¢
                                                                                per dollar on shopping
                                                                                No annual fee
                                                                                Annual rewards$144
                                                                                Net annual value$144

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

                                                                                Chase Sapphire Reserve
                                                                                13

                                                                                Chase Sapphire Reserve

                                                                                Chase

                                                                                1x Ultimate Rewards on Shopping
                                                                                1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                Why this card

                                                                                  $968 in credits fully offsets the $795 fee

                                                                                  VISA
                                                                                  1.5¢
                                                                                  per dollar on shopping
                                                                                  $795/yr($968 in credits)
                                                                                  Annual rewards$91.80
                                                                                  + Credits$968
                                                                                  \u2212 Annual fee$795
                                                                                  Net annual value$264.80
                                                                                  U.S. Bank Smartly Visa Signature Card
                                                                                  14

                                                                                  U.S. Bank Smartly Visa Signature Card

                                                                                  Usbank

                                                                                  2% cash back on Shopping

                                                                                  Why this card

                                                                                    No annual fee

                                                                                    VISA
                                                                                    1.7¢
                                                                                    per dollar on shopping
                                                                                    No annual fee($8 in credits)
                                                                                    Annual rewards$102
                                                                                    + Credits$8
                                                                                    Net annual value$110
                                                                                    Navy Federal Flagship Rewards® Card
                                                                                    15

                                                                                    Navy Federal Flagship Rewards® Card

                                                                                    Navy Federal

                                                                                    2x Navy Federal Nrewards on Shopping
                                                                                    2x × 1.0¢/pt = 1.7¢ per dollar

                                                                                    Why this card

                                                                                      No annual fee

                                                                                      VISA
                                                                                      1.7¢
                                                                                      per dollar on shopping
                                                                                      No annual fee($8 in credits)
                                                                                      Annual rewards$102
                                                                                      + Credits$8
                                                                                      Net annual value$110
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                                                                                      16

                                                                                      Verizon Visa Card

                                                                                      Synchrony

                                                                                      2% cash back on Shopping

                                                                                      Why this card

                                                                                        No annual fee

                                                                                        VISA
                                                                                        1.7¢
                                                                                        per dollar on shopping
                                                                                        No annual fee($8 in credits)
                                                                                        Annual rewards$102
                                                                                        + Credits$8
                                                                                        Net annual value$110
                                                                                        Wells Fargo Active Cash Card
                                                                                        17

                                                                                        Wells Fargo Active Cash Card

                                                                                        Wells Fargo

                                                                                        2% cash back on Shopping

                                                                                        Why this card

                                                                                          No annual fee

                                                                                          VISA
                                                                                          1.7¢
                                                                                          per dollar on shopping
                                                                                          No annual fee($8 in credits)
                                                                                          Annual rewards$102
                                                                                          + Credits$8
                                                                                          Net annual value$110
                                                                                          No image
                                                                                          18

                                                                                          TD Double Up Credit Card

                                                                                          Td Bank

                                                                                          2% cash back on Shopping

                                                                                          Why this card

                                                                                            No annual fee

                                                                                            VISA
                                                                                            1.7¢
                                                                                            per dollar on shopping
                                                                                            No annual fee($8 in credits)
                                                                                            Annual rewards$102
                                                                                            + Credits$8
                                                                                            Net annual value$110
                                                                                            No image
                                                                                            19

                                                                                            One Key+ Card

                                                                                            Wells Fargo

                                                                                            2% cash back on Shopping

                                                                                            Why this card

                                                                                              No annual fee

                                                                                              MASTERCARD
                                                                                              1.7¢
                                                                                              per dollar on shopping
                                                                                              No annual fee
                                                                                              Annual rewards$102
                                                                                              Net annual value$102
                                                                                              No image
                                                                                              20

                                                                                              Jasper Cash Back Mastercard

                                                                                              Webbank

                                                                                              2% cash back on Shopping

                                                                                              Why this card

                                                                                                No annual fee

                                                                                                MASTERCARD
                                                                                                1.7¢
                                                                                                per dollar on shopping
                                                                                                No annual fee
                                                                                                Annual rewards$102
                                                                                                Net annual value$102
                                                                                                Citi Custom Cash Card
                                                                                                21

                                                                                                Citi Custom Cash Card

                                                                                                Citi

                                                                                                5% cash back on Shopping

                                                                                                Why this card

                                                                                                1. 1.5% cash back on Shopping ($90/yr on $6,000 spend)

                                                                                                No annual fee

                                                                                                MASTERCARD
                                                                                                Core Rate
                                                                                                1.5¢
                                                                                                per dollar on shopping
                                                                                                No annual fee($30 in credits)
                                                                                                Annual rewards$90
                                                                                                + Credits$30
                                                                                                Net annual value$120

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

                                                                                                Bank of America Unlimited Cash Rewards Credit Card
                                                                                                22

                                                                                                Bank of America Unlimited Cash Rewards Credit Card

                                                                                                Bank Of America

                                                                                                2% cash back on Shopping

                                                                                                Why this card

                                                                                                  No annual fee

                                                                                                  VISA
                                                                                                  1.7¢
                                                                                                  per dollar on shopping
                                                                                                  No annual fee($8 in credits)
                                                                                                  Annual rewards$102
                                                                                                  + Credits$8
                                                                                                  Net annual value$110
                                                                                                  Bank of America® Unlimited Cash Rewards for Students
                                                                                                  23

                                                                                                  Bank of America® Unlimited Cash Rewards for Students

                                                                                                  Bank Of America

                                                                                                  2% cash back on Shopping

                                                                                                  Why this card

                                                                                                    No annual fee

                                                                                                    VISA
                                                                                                    1.7¢
                                                                                                    per dollar on shopping
                                                                                                    No annual fee($8 in credits)
                                                                                                    Annual rewards$102
                                                                                                    + Credits$8
                                                                                                    Net annual value$110
                                                                                                    Synchrony Premier Mastercard
                                                                                                    24

                                                                                                    Synchrony Premier Mastercard

                                                                                                    Synchrony

                                                                                                    2% cash back on Shopping

                                                                                                    Why this card

                                                                                                      No annual fee

                                                                                                      MASTERCARD
                                                                                                      1.7¢
                                                                                                      per dollar on shopping
                                                                                                      No annual fee
                                                                                                      Annual rewards$102
                                                                                                      Net annual value$102
                                                                                                      Bilt Blue Card
                                                                                                      25

                                                                                                      Bilt Blue Card

                                                                                                      Cardless

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

                                                                                                      Why this card

                                                                                                        No annual fee

                                                                                                        MASTERCARD
                                                                                                        1.7¢
                                                                                                        per dollar on shopping
                                                                                                        No annual fee
                                                                                                        Annual rewards$102
                                                                                                        Net annual value$102
                                                                                                        No image
                                                                                                        26

                                                                                                        SoFi Credit Card

                                                                                                        Sofi

                                                                                                        2% cash back on Shopping

                                                                                                        Why this card

                                                                                                          No annual fee

                                                                                                          MASTERCARD
                                                                                                          1.7¢
                                                                                                          per dollar on shopping
                                                                                                          No annual fee
                                                                                                          Annual rewards$102
                                                                                                          Net annual value$102
                                                                                                          Citi Double Cash Card
                                                                                                          27

                                                                                                          Citi Double Cash Card

                                                                                                          Citi

                                                                                                          2% cash back on Shopping

                                                                                                          Why this card

                                                                                                            No annual fee

                                                                                                            MASTERCARD
                                                                                                            1.7¢
                                                                                                            per dollar on shopping
                                                                                                            No annual fee
                                                                                                            Annual rewards$102
                                                                                                            Net annual value$102
                                                                                                            Rakuten American Express Card
                                                                                                            28

                                                                                                            Rakuten American Express Card

                                                                                                            First Electronic Bank

                                                                                                            1% cash back on Shopping

                                                                                                            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
                                                                                                            Convertible
                                                                                                            1.0–2.0¢
                                                                                                            per dollar on shopping
                                                                                                            depending on redemption
                                                                                                            No annual fee
                                                                                                            Annual rewards$79.90
                                                                                                            Net annual value$79.90
                                                                                                            Bilt Obsidian Card
                                                                                                            29

                                                                                                            Bilt Obsidian Card

                                                                                                            Cardless

                                                                                                            1x Bilt Rewards on Shopping
                                                                                                            1x × 2.0¢/pt = 1.7¢ per dollar
                                                                                                            MASTERCARD
                                                                                                            1.7¢
                                                                                                            per dollar on shopping
                                                                                                            $95/yr
                                                                                                            Annual rewards$102
                                                                                                            \u2212 Annual fee$95
                                                                                                            Net annual value$7
                                                                                                            Chase Sapphire Preferred Card
                                                                                                            30

                                                                                                            Chase Sapphire Preferred Card

                                                                                                            Chase

                                                                                                            1x Ultimate Rewards on Shopping
                                                                                                            1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                                            Why this card

                                                                                                              $93 in credits offset the $95 fee

                                                                                                              VISA
                                                                                                              1.5¢
                                                                                                              per dollar on shopping
                                                                                                              $95/yr($93 in credits)
                                                                                                              Annual rewards$91.80
                                                                                                              + Credits$93
                                                                                                              \u2212 Annual fee$95
                                                                                                              Net annual value$89.80