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universal

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
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Product
  • Documentation
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Results from

$6,000

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Resolved as:Universal
card_name
95%
43 matches1198ms
Best Match

Universal Rewards Plus Visa Signature®

Fnbo · $99/yr

Name match
95% confidence
View full details

Also matched

Universal Rewards Visa Signature®Fnbo

Compare with— Universal cards

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1

Universal Rewards Visa Signature®

Fnbo

2x points on Universal

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.2x on universal ($120/yr on $6,000 spend)

No annual fee

VISA
Core Rate
2.0¢
per dollar on universal
No annual fee($8 in credits)
Annual rewards$120
+ Credits$8
Net annual value$128
No image
2

Capital One Venture X Rewards Credit Card

Capital One

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

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.1¢
    per dollar on universal
    $395/yr($315 in credits)
    Annual rewards$188.70
    + Credits$315
    \u2212 Annual fee$395
    Net annual value$108.70
    No image
    3

    The Platinum Card from American Express

    Amex

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

    Why this card

      $1,422 in credits fully offsets the $895 fee

      AMEX
      1.5¢
      per dollar on universal
      $895/yr($1,422 in credits)
      Annual rewards$91.80
      + Credits$1,422
      \u2212 Annual fee$895
      Net annual value$618.80
      Citi Strata Elite℠ Card
      4

      Citi Strata Elite℠ Card

      Citi

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

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        1.9¢
        per dollar on universal
        $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 Unlimited Cash Rewards Credit Card
        5

        Bank of America Unlimited Cash Rewards Credit Card

        Bank Of America

        2% cash back on Universal

        Why this card

          No annual fee

          VISA
          1.7¢
          per dollar on universal
          No annual fee($8 in credits)
          Annual rewards$102
          + Credits$8
          Net annual value$110
          Bilt Blue Card
          6

          Bilt Blue Card

          Cardless

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

          Why this card

            No annual fee

            MASTERCARD
            1.7¢
            per dollar on universal
            No annual fee
            Annual rewards$102
            Net annual value$102
            Capital One VentureOne Rewards Credit Card
            7

            Capital One VentureOne Rewards Credit Card

            Capital One

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

            Why this card

              No annual fee

              MASTERCARD
              2.0¢
              per dollar on universal
              No annual fee
              Annual rewards$117.94
              Net annual value$117.94
              Chase Sapphire Reserve
              8

              Chase Sapphire Reserve

              Chase

              1x Ultimate Rewards on Universal
              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 universal
                $795/yr($968 in credits)
                Annual rewards$91.80
                + Credits$968
                \u2212 Annual fee$795
                Net annual value$264.80
                Fidelity Rewards Visa Signature Card
                9

                Fidelity Rewards Visa Signature Card

                Elan Financial

                2% cash back on Universal

                Why this card

                  No annual fee

                  VISA
                  1.7¢
                  per dollar on universal
                  No annual fee($8 in credits)
                  Annual rewards$102
                  + Credits$8
                  Net annual value$110
                  Navy Federal Flagship Rewards® Card
                  10

                  Navy Federal Flagship Rewards® Card

                  Navy Federal

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

                  Why this card

                    No annual fee

                    VISA
                    1.7¢
                    per dollar on universal
                    No annual fee($8 in credits)
                    Annual rewards$102
                    + Credits$8
                    Net annual value$110
                    No image
                    11

                    Verizon Visa Card

                    Synchrony

                    2% cash back on Universal

                    Why this card

                      No annual fee

                      VISA
                      1.7¢
                      per dollar on universal
                      No annual fee($8 in credits)
                      Annual rewards$102
                      + Credits$8
                      Net annual value$110
                      U.S. Bank Smartly Visa Signature Card
                      12

                      U.S. Bank Smartly Visa Signature Card

                      Usbank

                      2% cash back on Universal

                      Why this card

                        No annual fee

                        VISA
                        1.7¢
                        per dollar on universal
                        No annual fee($8 in credits)
                        Annual rewards$102
                        + Credits$8
                        Net annual value$110
                        No image
                        13

                        TD Double Up Credit Card

                        Td Bank

                        2% cash back on Universal

                        Why this card

                          No annual fee

                          VISA
                          1.7¢
                          per dollar on universal
                          No annual fee($8 in credits)
                          Annual rewards$102
                          + Credits$8
                          Net annual value$110
                          Wells Fargo Active Cash Card
                          14

                          Wells Fargo Active Cash Card

                          Wells Fargo

                          2% cash back on Universal

                          Why this card

                            No annual fee

                            VISA
                            1.7¢
                            per dollar on universal
                            No annual fee($8 in credits)
                            Annual rewards$102
                            + Credits$8
                            Net annual value$110
                            No image
                            15

                            Jasper Cash Back Mastercard

                            Webbank

                            2% cash back on Universal

                            Why this card

                              No annual fee

                              MASTERCARD
                              1.7¢
                              per dollar on universal
                              No annual fee
                              Annual rewards$102
                              Net annual value$102
                              No image
                              16

                              One Key+ Card

                              Wells Fargo

                              2% cash back on Universal

                              Why this card

                                No annual fee

                                MASTERCARD
                                1.7¢
                                per dollar on universal
                                No annual fee
                                Annual rewards$102
                                Net annual value$102
                                Rakuten American Express Card
                                17

                                Rakuten American Express Card

                                First Electronic Bank

                                1% cash back on Universal

                                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 universal
                                depending on redemption
                                No annual fee
                                Annual rewards$79.90
                                Net annual value$79.90
                                Bank of America® Unlimited Cash Rewards for Students
                                18

                                Bank of America® Unlimited Cash Rewards for Students

                                Bank Of America

                                2% cash back on Universal

                                Why this card

                                  No annual fee

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

                                  SoFi Credit Card

                                  Sofi

                                  2% cash back on Universal

                                  Why this card

                                    No annual fee

                                    MASTERCARD
                                    1.7¢
                                    per dollar on universal
                                    No annual fee
                                    Annual rewards$102
                                    Net annual value$102
                                    Citi Double Cash Card
                                    20

                                    Citi Double Cash Card

                                    Citi

                                    2% cash back on Universal

                                    Why this card

                                      No annual fee

                                      MASTERCARD
                                      1.7¢
                                      per dollar on universal
                                      No annual fee
                                      Annual rewards$102
                                      Net annual value$102
                                      Synchrony Premier Mastercard
                                      21

                                      Synchrony Premier Mastercard

                                      Synchrony

                                      2% cash back on Universal

                                      Why this card

                                        No annual fee

                                        MASTERCARD
                                        1.7¢
                                        per dollar on universal
                                        No annual fee
                                        Annual rewards$102
                                        Net annual value$102
                                        Bilt Obsidian Card
                                        22

                                        Bilt Obsidian Card

                                        Cardless

                                        1x Bilt Rewards on Universal
                                        1x × 2.0¢/pt = 1.7¢ per dollar
                                        MASTERCARD
                                        1.7¢
                                        per dollar on universal
                                        $95/yr
                                        Annual rewards$102
                                        \u2212 Annual fee$95
                                        Net annual value$7
                                        Chase Sapphire Preferred Card
                                        23

                                        Chase Sapphire Preferred Card

                                        Chase

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

                                        Why this card

                                          $93 in credits offset the $95 fee

                                          VISA
                                          1.5¢
                                          per dollar on universal
                                          $95/yr($93 in credits)
                                          Annual rewards$91.80
                                          + Credits$93
                                          \u2212 Annual fee$95
                                          Net annual value$89.80
                                          Discover it® Miles
                                          24

                                          Discover it® Miles

                                          Discover

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

                                          Why this card

                                            No annual fee

                                            DISCOVER
                                            1.3¢
                                            per dollar on universal
                                            No annual fee
                                            Annual rewards$76.50
                                            Net annual value$76.50
                                            Hilton Honors American Express Card
                                            25

                                            Hilton Honors American Express Card

                                            Amex

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

                                            Why this card

                                              No annual fee

                                              AMEX
                                              1.3¢
                                              per dollar on universal
                                              No annual fee
                                              Annual rewards$76.50
                                              Net annual value$76.50
                                              No image
                                              26

                                              Bilt Palladium Card

                                              Cardless

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

                                              Why this card

                                                $300 in credits offset the $495 fee

                                                MASTERCARD
                                                1.7¢
                                                per dollar on universal
                                                $495/yr($300 in credits)
                                                Annual rewards$102
                                                + Credits$300
                                                \u2212 Annual fee$495
                                                Net annual value-$93
                                                Capital One QuicksilverOne Cash Rewards Credit Card
                                                27

                                                Capital One QuicksilverOne Cash Rewards Credit Card

                                                Capital One

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

                                                Why this card

                                                  $29.97 in credits offset the $39 fee

                                                  MASTERCARD
                                                  1.3¢
                                                  per dollar on universal
                                                  $39/yr($29.97 in credits)
                                                  Annual rewards$76.50
                                                  + Credits$29.97
                                                  \u2212 Annual fee$39
                                                  Net annual value$67.47
                                                  Capital One Quicksilver Student Cash Rewards Credit Card
                                                  28

                                                  Capital One Quicksilver Student Cash Rewards Credit Card

                                                  Capital One

                                                  1.5% cash back on Universal

                                                  Why this card

                                                    No annual fee

                                                    MASTERCARD
                                                    1.3¢
                                                    per dollar on universal
                                                    No annual fee($119.88 in credits)
                                                    Annual rewards$76.50
                                                    + Credits$119.88
                                                    Net annual value$196.38
                                                    Chase Freedom Unlimited
                                                    29

                                                    Chase Freedom Unlimited

                                                    Chase

                                                    1.5% cash back on Universal

                                                    Why this card

                                                      No annual fee

                                                      VISA
                                                      1.3¢
                                                      per dollar on universal
                                                      No annual fee($30 in credits)
                                                      Annual rewards$76.50
                                                      + Credits$30
                                                      Net annual value$106.50

                                                      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:Universal
                                                      card_name
                                                      95%
                                                      43 matches1198ms
                                                      Best Match

                                                      Universal Rewards Plus Visa Signature®

                                                      Fnbo · $99/yr

                                                      Name match
                                                      95% confidence
                                                      View full details

                                                      Also matched

                                                      Universal Rewards Visa Signature®Fnbo

                                                      Compare with— Universal cards

                                                      No image
                                                      1

                                                      Universal Rewards Visa Signature®

                                                      Fnbo

                                                      2x points on Universal

                                                      Why this card

                                                      1. 1.Official cobrand card — earns rewards on all purchases
                                                      2. 2.2x on universal ($120/yr on $6,000 spend)

                                                      No annual fee

                                                      VISA
                                                      Core Rate
                                                      2.0¢
                                                      per dollar on universal
                                                      No annual fee($8 in credits)
                                                      Annual rewards$120
                                                      + Credits$8
                                                      Net annual value$128
                                                      No image
                                                      2

                                                      Capital One Venture X Rewards Credit Card

                                                      Capital One

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

                                                      Why this card

                                                        $315 in credits offset the $395 fee

                                                        VISA
                                                        3.1¢
                                                        per dollar on universal
                                                        $395/yr($315 in credits)
                                                        Annual rewards$188.70
                                                        + Credits$315
                                                        \u2212 Annual fee$395
                                                        Net annual value$108.70
                                                        No image
                                                        3

                                                        The Platinum Card from American Express

                                                        Amex

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

                                                        Why this card

                                                          $1,422 in credits fully offsets the $895 fee

                                                          AMEX
                                                          1.5¢
                                                          per dollar on universal
                                                          $895/yr($1,422 in credits)
                                                          Annual rewards$91.80
                                                          + Credits$1,422
                                                          \u2212 Annual fee$895
                                                          Net annual value$618.80
                                                          Citi Strata Elite℠ Card
                                                          4

                                                          Citi Strata Elite℠ Card

                                                          Citi

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

                                                          Why this card

                                                            $762.50 in credits fully offsets the $595 fee

                                                            MASTERCARD
                                                            1.9¢
                                                            per dollar on universal
                                                            $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 Unlimited Cash Rewards Credit Card
                                                            5

                                                            Bank of America Unlimited Cash Rewards Credit Card

                                                            Bank Of America

                                                            2% cash back on Universal

                                                            Why this card

                                                              No annual fee

                                                              VISA
                                                              1.7¢
                                                              per dollar on universal
                                                              No annual fee($8 in credits)
                                                              Annual rewards$102
                                                              + Credits$8
                                                              Net annual value$110
                                                              Bilt Blue Card
                                                              6

                                                              Bilt Blue Card

                                                              Cardless

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

                                                              Why this card

                                                                No annual fee

                                                                MASTERCARD
                                                                1.7¢
                                                                per dollar on universal
                                                                No annual fee
                                                                Annual rewards$102
                                                                Net annual value$102
                                                                Capital One VentureOne Rewards Credit Card
                                                                7

                                                                Capital One VentureOne Rewards Credit Card

                                                                Capital One

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

                                                                Why this card

                                                                  No annual fee

                                                                  MASTERCARD
                                                                  2.0¢
                                                                  per dollar on universal
                                                                  No annual fee
                                                                  Annual rewards$117.94
                                                                  Net annual value$117.94
                                                                  Chase Sapphire Reserve
                                                                  8

                                                                  Chase Sapphire Reserve

                                                                  Chase

                                                                  1x Ultimate Rewards on Universal
                                                                  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 universal
                                                                    $795/yr($968 in credits)
                                                                    Annual rewards$91.80
                                                                    + Credits$968
                                                                    \u2212 Annual fee$795
                                                                    Net annual value$264.80
                                                                    Fidelity Rewards Visa Signature Card
                                                                    9

                                                                    Fidelity Rewards Visa Signature Card

                                                                    Elan Financial

                                                                    2% cash back on Universal

                                                                    Why this card

                                                                      No annual fee

                                                                      VISA
                                                                      1.7¢
                                                                      per dollar on universal
                                                                      No annual fee($8 in credits)
                                                                      Annual rewards$102
                                                                      + Credits$8
                                                                      Net annual value$110
                                                                      Navy Federal Flagship Rewards® Card
                                                                      10

                                                                      Navy Federal Flagship Rewards® Card

                                                                      Navy Federal

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

                                                                      Why this card

                                                                        No annual fee

                                                                        VISA
                                                                        1.7¢
                                                                        per dollar on universal
                                                                        No annual fee($8 in credits)
                                                                        Annual rewards$102
                                                                        + Credits$8
                                                                        Net annual value$110
                                                                        No image
                                                                        11

                                                                        Verizon Visa Card

                                                                        Synchrony

                                                                        2% cash back on Universal

                                                                        Why this card

                                                                          No annual fee

                                                                          VISA
                                                                          1.7¢
                                                                          per dollar on universal
                                                                          No annual fee($8 in credits)
                                                                          Annual rewards$102
                                                                          + Credits$8
                                                                          Net annual value$110
                                                                          U.S. Bank Smartly Visa Signature Card
                                                                          12

                                                                          U.S. Bank Smartly Visa Signature Card

                                                                          Usbank

                                                                          2% cash back on Universal

                                                                          Why this card

                                                                            No annual fee

                                                                            VISA
                                                                            1.7¢
                                                                            per dollar on universal
                                                                            No annual fee($8 in credits)
                                                                            Annual rewards$102
                                                                            + Credits$8
                                                                            Net annual value$110
                                                                            No image
                                                                            13

                                                                            TD Double Up Credit Card

                                                                            Td Bank

                                                                            2% cash back on Universal

                                                                            Why this card

                                                                              No annual fee

                                                                              VISA
                                                                              1.7¢
                                                                              per dollar on universal
                                                                              No annual fee($8 in credits)
                                                                              Annual rewards$102
                                                                              + Credits$8
                                                                              Net annual value$110
                                                                              Wells Fargo Active Cash Card
                                                                              14

                                                                              Wells Fargo Active Cash Card

                                                                              Wells Fargo

                                                                              2% cash back on Universal

                                                                              Why this card

                                                                                No annual fee

                                                                                VISA
                                                                                1.7¢
                                                                                per dollar on universal
                                                                                No annual fee($8 in credits)
                                                                                Annual rewards$102
                                                                                + Credits$8
                                                                                Net annual value$110
                                                                                No image
                                                                                15

                                                                                Jasper Cash Back Mastercard

                                                                                Webbank

                                                                                2% cash back on Universal

                                                                                Why this card

                                                                                  No annual fee

                                                                                  MASTERCARD
                                                                                  1.7¢
                                                                                  per dollar on universal
                                                                                  No annual fee
                                                                                  Annual rewards$102
                                                                                  Net annual value$102
                                                                                  No image
                                                                                  16

                                                                                  One Key+ Card

                                                                                  Wells Fargo

                                                                                  2% cash back on Universal

                                                                                  Why this card

                                                                                    No annual fee

                                                                                    MASTERCARD
                                                                                    1.7¢
                                                                                    per dollar on universal
                                                                                    No annual fee
                                                                                    Annual rewards$102
                                                                                    Net annual value$102
                                                                                    Rakuten American Express Card
                                                                                    17

                                                                                    Rakuten American Express Card

                                                                                    First Electronic Bank

                                                                                    1% cash back on Universal

                                                                                    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 universal
                                                                                    depending on redemption
                                                                                    No annual fee
                                                                                    Annual rewards$79.90
                                                                                    Net annual value$79.90
                                                                                    Bank of America® Unlimited Cash Rewards for Students
                                                                                    18

                                                                                    Bank of America® Unlimited Cash Rewards for Students

                                                                                    Bank Of America

                                                                                    2% cash back on Universal

                                                                                    Why this card

                                                                                      No annual fee

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

                                                                                      SoFi Credit Card

                                                                                      Sofi

                                                                                      2% cash back on Universal

                                                                                      Why this card

                                                                                        No annual fee

                                                                                        MASTERCARD
                                                                                        1.7¢
                                                                                        per dollar on universal
                                                                                        No annual fee
                                                                                        Annual rewards$102
                                                                                        Net annual value$102
                                                                                        Citi Double Cash Card
                                                                                        20

                                                                                        Citi Double Cash Card

                                                                                        Citi

                                                                                        2% cash back on Universal

                                                                                        Why this card

                                                                                          No annual fee

                                                                                          MASTERCARD
                                                                                          1.7¢
                                                                                          per dollar on universal
                                                                                          No annual fee
                                                                                          Annual rewards$102
                                                                                          Net annual value$102
                                                                                          Synchrony Premier Mastercard
                                                                                          21

                                                                                          Synchrony Premier Mastercard

                                                                                          Synchrony

                                                                                          2% cash back on Universal

                                                                                          Why this card

                                                                                            No annual fee

                                                                                            MASTERCARD
                                                                                            1.7¢
                                                                                            per dollar on universal
                                                                                            No annual fee
                                                                                            Annual rewards$102
                                                                                            Net annual value$102
                                                                                            Bilt Obsidian Card
                                                                                            22

                                                                                            Bilt Obsidian Card

                                                                                            Cardless

                                                                                            1x Bilt Rewards on Universal
                                                                                            1x × 2.0¢/pt = 1.7¢ per dollar
                                                                                            MASTERCARD
                                                                                            1.7¢
                                                                                            per dollar on universal
                                                                                            $95/yr
                                                                                            Annual rewards$102
                                                                                            \u2212 Annual fee$95
                                                                                            Net annual value$7
                                                                                            Chase Sapphire Preferred Card
                                                                                            23

                                                                                            Chase Sapphire Preferred Card

                                                                                            Chase

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

                                                                                            Why this card

                                                                                              $93 in credits offset the $95 fee

                                                                                              VISA
                                                                                              1.5¢
                                                                                              per dollar on universal
                                                                                              $95/yr($93 in credits)
                                                                                              Annual rewards$91.80
                                                                                              + Credits$93
                                                                                              \u2212 Annual fee$95
                                                                                              Net annual value$89.80
                                                                                              Discover it® Miles
                                                                                              24

                                                                                              Discover it® Miles

                                                                                              Discover

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

                                                                                              Why this card

                                                                                                No annual fee

                                                                                                DISCOVER
                                                                                                1.3¢
                                                                                                per dollar on universal
                                                                                                No annual fee
                                                                                                Annual rewards$76.50
                                                                                                Net annual value$76.50
                                                                                                Hilton Honors American Express Card
                                                                                                25

                                                                                                Hilton Honors American Express Card

                                                                                                Amex

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

                                                                                                Why this card

                                                                                                  No annual fee

                                                                                                  AMEX
                                                                                                  1.3¢
                                                                                                  per dollar on universal
                                                                                                  No annual fee
                                                                                                  Annual rewards$76.50
                                                                                                  Net annual value$76.50
                                                                                                  No image
                                                                                                  26

                                                                                                  Bilt Palladium Card

                                                                                                  Cardless

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

                                                                                                  Why this card

                                                                                                    $300 in credits offset the $495 fee

                                                                                                    MASTERCARD
                                                                                                    1.7¢
                                                                                                    per dollar on universal
                                                                                                    $495/yr($300 in credits)
                                                                                                    Annual rewards$102
                                                                                                    + Credits$300
                                                                                                    \u2212 Annual fee$495
                                                                                                    Net annual value-$93
                                                                                                    Capital One QuicksilverOne Cash Rewards Credit Card
                                                                                                    27

                                                                                                    Capital One QuicksilverOne Cash Rewards Credit Card

                                                                                                    Capital One

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

                                                                                                    Why this card

                                                                                                      $29.97 in credits offset the $39 fee

                                                                                                      MASTERCARD
                                                                                                      1.3¢
                                                                                                      per dollar on universal
                                                                                                      $39/yr($29.97 in credits)
                                                                                                      Annual rewards$76.50
                                                                                                      + Credits$29.97
                                                                                                      \u2212 Annual fee$39
                                                                                                      Net annual value$67.47
                                                                                                      Capital One Quicksilver Student Cash Rewards Credit Card
                                                                                                      28

                                                                                                      Capital One Quicksilver Student Cash Rewards Credit Card

                                                                                                      Capital One

                                                                                                      1.5% cash back on Universal

                                                                                                      Why this card

                                                                                                        No annual fee

                                                                                                        MASTERCARD
                                                                                                        1.3¢
                                                                                                        per dollar on universal
                                                                                                        No annual fee($119.88 in credits)
                                                                                                        Annual rewards$76.50
                                                                                                        + Credits$119.88
                                                                                                        Net annual value$196.38
                                                                                                        Chase Freedom Unlimited
                                                                                                        29

                                                                                                        Chase Freedom Unlimited

                                                                                                        Chase

                                                                                                        1.5% cash back on Universal

                                                                                                        Why this card

                                                                                                          No annual fee

                                                                                                          VISA
                                                                                                          1.3¢
                                                                                                          per dollar on universal
                                                                                                          No annual fee($30 in credits)
                                                                                                          Annual rewards$76.50
                                                                                                          + Credits$30
                                                                                                          Net annual value$106.50

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                                                                                                          Universal Rewards Plus Visa Signature®

                                                                                                          Fnbo · $99/yr

                                                                                                          Name match
                                                                                                          95% confidence
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                                                                                                          Universal Rewards Visa Signature®Fnbo

                                                                                                          Compare with— Universal cards

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                                                                                                          1

                                                                                                          Universal Rewards Visa Signature®

                                                                                                          Fnbo

                                                                                                          2x points on Universal

                                                                                                          Why this card

                                                                                                          1. 1.Official cobrand card — earns rewards on all purchases
                                                                                                          2. 2.2x on universal ($120/yr on $6,000 spend)

                                                                                                          No annual fee

                                                                                                          VISA
                                                                                                          Core Rate
                                                                                                          2.0¢
                                                                                                          per dollar on universal
                                                                                                          No annual fee($8 in credits)
                                                                                                          Annual rewards$120
                                                                                                          + Credits$8
                                                                                                          Net annual value$128
                                                                                                          No image
                                                                                                          2

                                                                                                          Capital One Venture X Rewards Credit Card

                                                                                                          Capital One

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

                                                                                                          Why this card

                                                                                                            $315 in credits offset the $395 fee

                                                                                                            VISA
                                                                                                            3.1¢
                                                                                                            per dollar on universal
                                                                                                            $395/yr($315 in credits)
                                                                                                            Annual rewards$188.70
                                                                                                            + Credits$315
                                                                                                            \u2212 Annual fee$395
                                                                                                            Net annual value$108.70
                                                                                                            No image
                                                                                                            3

                                                                                                            The Platinum Card from American Express

                                                                                                            Amex

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

                                                                                                            Why this card

                                                                                                              $1,422 in credits fully offsets the $895 fee

                                                                                                              AMEX
                                                                                                              1.5¢
                                                                                                              per dollar on universal
                                                                                                              $895/yr($1,422 in credits)
                                                                                                              Annual rewards$91.80
                                                                                                              + Credits$1,422
                                                                                                              \u2212 Annual fee$895
                                                                                                              Net annual value$618.80
                                                                                                              Citi Strata Elite℠ Card
                                                                                                              4

                                                                                                              Citi Strata Elite℠ Card

                                                                                                              Citi

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

                                                                                                              Why this card

                                                                                                                $762.50 in credits fully offsets the $595 fee

                                                                                                                MASTERCARD
                                                                                                                1.9¢
                                                                                                                per dollar on universal
                                                                                                                $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 Unlimited Cash Rewards Credit Card
                                                                                                                5

                                                                                                                Bank of America Unlimited Cash Rewards Credit Card

                                                                                                                Bank Of America

                                                                                                                2% cash back on Universal

                                                                                                                Why this card

                                                                                                                  No annual fee

                                                                                                                  VISA
                                                                                                                  1.7¢
                                                                                                                  per dollar on universal
                                                                                                                  No annual fee($8 in credits)
                                                                                                                  Annual rewards$102
                                                                                                                  + Credits$8
                                                                                                                  Net annual value$110
                                                                                                                  Bilt Blue Card
                                                                                                                  6

                                                                                                                  Bilt Blue Card

                                                                                                                  Cardless

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

                                                                                                                  Why this card

                                                                                                                    No annual fee

                                                                                                                    MASTERCARD
                                                                                                                    1.7¢
                                                                                                                    per dollar on universal
                                                                                                                    No annual fee
                                                                                                                    Annual rewards$102
                                                                                                                    Net annual value$102
                                                                                                                    Capital One VentureOne Rewards Credit Card
                                                                                                                    7

                                                                                                                    Capital One VentureOne Rewards Credit Card

                                                                                                                    Capital One

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

                                                                                                                    Why this card

                                                                                                                      No annual fee

                                                                                                                      MASTERCARD
                                                                                                                      2.0¢
                                                                                                                      per dollar on universal
                                                                                                                      No annual fee
                                                                                                                      Annual rewards$117.94
                                                                                                                      Net annual value$117.94
                                                                                                                      Chase Sapphire Reserve
                                                                                                                      8

                                                                                                                      Chase Sapphire Reserve

                                                                                                                      Chase

                                                                                                                      1x Ultimate Rewards on Universal
                                                                                                                      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 universal
                                                                                                                        $795/yr($968 in credits)
                                                                                                                        Annual rewards$91.80
                                                                                                                        + Credits$968
                                                                                                                        \u2212 Annual fee$795
                                                                                                                        Net annual value$264.80
                                                                                                                        Fidelity Rewards Visa Signature Card
                                                                                                                        9

                                                                                                                        Fidelity Rewards Visa Signature Card

                                                                                                                        Elan Financial

                                                                                                                        2% cash back on Universal

                                                                                                                        Why this card

                                                                                                                          No annual fee

                                                                                                                          VISA
                                                                                                                          1.7¢
                                                                                                                          per dollar on universal
                                                                                                                          No annual fee($8 in credits)
                                                                                                                          Annual rewards$102
                                                                                                                          + Credits$8
                                                                                                                          Net annual value$110
                                                                                                                          Navy Federal Flagship Rewards® Card
                                                                                                                          10

                                                                                                                          Navy Federal Flagship Rewards® Card

                                                                                                                          Navy Federal

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

                                                                                                                          Why this card

                                                                                                                            No annual fee

                                                                                                                            VISA
                                                                                                                            1.7¢
                                                                                                                            per dollar on universal
                                                                                                                            No annual fee($8 in credits)
                                                                                                                            Annual rewards$102
                                                                                                                            + Credits$8
                                                                                                                            Net annual value$110
                                                                                                                            No image
                                                                                                                            11

                                                                                                                            Verizon Visa Card

                                                                                                                            Synchrony

                                                                                                                            2% cash back on Universal

                                                                                                                            Why this card

                                                                                                                              No annual fee

                                                                                                                              VISA
                                                                                                                              1.7¢
                                                                                                                              per dollar on universal
                                                                                                                              No annual fee($8 in credits)
                                                                                                                              Annual rewards$102
                                                                                                                              + Credits$8
                                                                                                                              Net annual value$110
                                                                                                                              U.S. Bank Smartly Visa Signature Card
                                                                                                                              12

                                                                                                                              U.S. Bank Smartly Visa Signature Card

                                                                                                                              Usbank

                                                                                                                              2% cash back on Universal

                                                                                                                              Why this card

                                                                                                                                No annual fee

                                                                                                                                VISA
                                                                                                                                1.7¢
                                                                                                                                per dollar on universal
                                                                                                                                No annual fee($8 in credits)
                                                                                                                                Annual rewards$102
                                                                                                                                + Credits$8
                                                                                                                                Net annual value$110
                                                                                                                                No image
                                                                                                                                13

                                                                                                                                TD Double Up Credit Card

                                                                                                                                Td Bank

                                                                                                                                2% cash back on Universal

                                                                                                                                Why this card

                                                                                                                                  No annual fee

                                                                                                                                  VISA
                                                                                                                                  1.7¢
                                                                                                                                  per dollar on universal
                                                                                                                                  No annual fee($8 in credits)
                                                                                                                                  Annual rewards$102
                                                                                                                                  + Credits$8
                                                                                                                                  Net annual value$110
                                                                                                                                  Wells Fargo Active Cash Card
                                                                                                                                  14

                                                                                                                                  Wells Fargo Active Cash Card

                                                                                                                                  Wells Fargo

                                                                                                                                  2% cash back on Universal

                                                                                                                                  Why this card

                                                                                                                                    No annual fee

                                                                                                                                    VISA
                                                                                                                                    1.7¢
                                                                                                                                    per dollar on universal
                                                                                                                                    No annual fee($8 in credits)
                                                                                                                                    Annual rewards$102
                                                                                                                                    + Credits$8
                                                                                                                                    Net annual value$110
                                                                                                                                    No image
                                                                                                                                    15

                                                                                                                                    Jasper Cash Back Mastercard

                                                                                                                                    Webbank

                                                                                                                                    2% cash back on Universal

                                                                                                                                    Why this card

                                                                                                                                      No annual fee

                                                                                                                                      MASTERCARD
                                                                                                                                      1.7¢
                                                                                                                                      per dollar on universal
                                                                                                                                      No annual fee
                                                                                                                                      Annual rewards$102
                                                                                                                                      Net annual value$102
                                                                                                                                      No image
                                                                                                                                      16

                                                                                                                                      One Key+ Card

                                                                                                                                      Wells Fargo

                                                                                                                                      2% cash back on Universal

                                                                                                                                      Why this card

                                                                                                                                        No annual fee

                                                                                                                                        MASTERCARD
                                                                                                                                        1.7¢
                                                                                                                                        per dollar on universal
                                                                                                                                        No annual fee
                                                                                                                                        Annual rewards$102
                                                                                                                                        Net annual value$102
                                                                                                                                        Rakuten American Express Card
                                                                                                                                        17

                                                                                                                                        Rakuten American Express Card

                                                                                                                                        First Electronic Bank

                                                                                                                                        1% cash back on Universal

                                                                                                                                        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 universal
                                                                                                                                        depending on redemption
                                                                                                                                        No annual fee
                                                                                                                                        Annual rewards$79.90
                                                                                                                                        Net annual value$79.90
                                                                                                                                        Bank of America® Unlimited Cash Rewards for Students
                                                                                                                                        18

                                                                                                                                        Bank of America® Unlimited Cash Rewards for Students

                                                                                                                                        Bank Of America

                                                                                                                                        2% cash back on Universal

                                                                                                                                        Why this card

                                                                                                                                          No annual fee

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

                                                                                                                                          SoFi Credit Card

                                                                                                                                          Sofi

                                                                                                                                          2% cash back on Universal

                                                                                                                                          Why this card

                                                                                                                                            No annual fee

                                                                                                                                            MASTERCARD
                                                                                                                                            1.7¢
                                                                                                                                            per dollar on universal
                                                                                                                                            No annual fee
                                                                                                                                            Annual rewards$102
                                                                                                                                            Net annual value$102
                                                                                                                                            Citi Double Cash Card
                                                                                                                                            20

                                                                                                                                            Citi Double Cash Card

                                                                                                                                            Citi

                                                                                                                                            2% cash back on Universal

                                                                                                                                            Why this card

                                                                                                                                              No annual fee

                                                                                                                                              MASTERCARD
                                                                                                                                              1.7¢
                                                                                                                                              per dollar on universal
                                                                                                                                              No annual fee
                                                                                                                                              Annual rewards$102
                                                                                                                                              Net annual value$102
                                                                                                                                              Synchrony Premier Mastercard
                                                                                                                                              21

                                                                                                                                              Synchrony Premier Mastercard

                                                                                                                                              Synchrony

                                                                                                                                              2% cash back on Universal

                                                                                                                                              Why this card

                                                                                                                                                No annual fee

                                                                                                                                                MASTERCARD
                                                                                                                                                1.7¢
                                                                                                                                                per dollar on universal
                                                                                                                                                No annual fee
                                                                                                                                                Annual rewards$102
                                                                                                                                                Net annual value$102
                                                                                                                                                Bilt Obsidian Card
                                                                                                                                                22

                                                                                                                                                Bilt Obsidian Card

                                                                                                                                                Cardless

                                                                                                                                                1x Bilt Rewards on Universal
                                                                                                                                                1x × 2.0¢/pt = 1.7¢ per dollar
                                                                                                                                                MASTERCARD
                                                                                                                                                1.7¢
                                                                                                                                                per dollar on universal
                                                                                                                                                $95/yr
                                                                                                                                                Annual rewards$102
                                                                                                                                                \u2212 Annual fee$95
                                                                                                                                                Net annual value$7
                                                                                                                                                Chase Sapphire Preferred Card
                                                                                                                                                23

                                                                                                                                                Chase Sapphire Preferred Card

                                                                                                                                                Chase

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

                                                                                                                                                Why this card

                                                                                                                                                  $93 in credits offset the $95 fee

                                                                                                                                                  VISA
                                                                                                                                                  1.5¢
                                                                                                                                                  per dollar on universal
                                                                                                                                                  $95/yr($93 in credits)
                                                                                                                                                  Annual rewards$91.80
                                                                                                                                                  + Credits$93
                                                                                                                                                  \u2212 Annual fee$95
                                                                                                                                                  Net annual value$89.80
                                                                                                                                                  Discover it® Miles
                                                                                                                                                  24

                                                                                                                                                  Discover it® Miles

                                                                                                                                                  Discover

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

                                                                                                                                                  Why this card

                                                                                                                                                    No annual fee

                                                                                                                                                    DISCOVER
                                                                                                                                                    1.3¢
                                                                                                                                                    per dollar on universal
                                                                                                                                                    No annual fee
                                                                                                                                                    Annual rewards$76.50
                                                                                                                                                    Net annual value$76.50
                                                                                                                                                    Hilton Honors American Express Card
                                                                                                                                                    25

                                                                                                                                                    Hilton Honors American Express Card

                                                                                                                                                    Amex

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

                                                                                                                                                    Why this card

                                                                                                                                                      No annual fee

                                                                                                                                                      AMEX
                                                                                                                                                      1.3¢
                                                                                                                                                      per dollar on universal
                                                                                                                                                      No annual fee
                                                                                                                                                      Annual rewards$76.50
                                                                                                                                                      Net annual value$76.50
                                                                                                                                                      No image
                                                                                                                                                      26

                                                                                                                                                      Bilt Palladium Card

                                                                                                                                                      Cardless

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

                                                                                                                                                      Why this card

                                                                                                                                                        $300 in credits offset the $495 fee

                                                                                                                                                        MASTERCARD
                                                                                                                                                        1.7¢
                                                                                                                                                        per dollar on universal
                                                                                                                                                        $495/yr($300 in credits)
                                                                                                                                                        Annual rewards$102
                                                                                                                                                        + Credits$300
                                                                                                                                                        \u2212 Annual fee$495
                                                                                                                                                        Net annual value-$93
                                                                                                                                                        Capital One QuicksilverOne Cash Rewards Credit Card
                                                                                                                                                        27

                                                                                                                                                        Capital One QuicksilverOne Cash Rewards Credit Card

                                                                                                                                                        Capital One

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

                                                                                                                                                        Why this card

                                                                                                                                                          $29.97 in credits offset the $39 fee

                                                                                                                                                          MASTERCARD
                                                                                                                                                          1.3¢
                                                                                                                                                          per dollar on universal
                                                                                                                                                          $39/yr($29.97 in credits)
                                                                                                                                                          Annual rewards$76.50
                                                                                                                                                          + Credits$29.97
                                                                                                                                                          \u2212 Annual fee$39
                                                                                                                                                          Net annual value$67.47
                                                                                                                                                          Capital One Quicksilver Student Cash Rewards Credit Card
                                                                                                                                                          28

                                                                                                                                                          Capital One Quicksilver Student Cash Rewards Credit Card

                                                                                                                                                          Capital One

                                                                                                                                                          1.5% cash back on Universal

                                                                                                                                                          Why this card

                                                                                                                                                            No annual fee

                                                                                                                                                            MASTERCARD
                                                                                                                                                            1.3¢
                                                                                                                                                            per dollar on universal
                                                                                                                                                            No annual fee($119.88 in credits)
                                                                                                                                                            Annual rewards$76.50
                                                                                                                                                            + Credits$119.88
                                                                                                                                                            Net annual value$196.38
                                                                                                                                                            Chase Freedom Unlimited
                                                                                                                                                            29

                                                                                                                                                            Chase Freedom Unlimited

                                                                                                                                                            Chase

                                                                                                                                                            1.5% cash back on Universal

                                                                                                                                                            Why this card

                                                                                                                                                              No annual fee

                                                                                                                                                              VISA
                                                                                                                                                              1.3¢
                                                                                                                                                              per dollar on universal
                                                                                                                                                              No annual fee($30 in credits)
                                                                                                                                                              Annual rewards$76.50
                                                                                                                                                              + Credits$30
                                                                                                                                                              Net annual value$106.50