CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Ranked by effective value per dollar at back care-related merchants.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
0 merchants sit under Back Care. Capital One Venture X Rewards Credit Card earns the top spot at 9.3¢ per dollar, with a $395 annual fee. Cards 2–5 are within striking distance and may be the better pick depending on your other spend.
Capital One
Ranked by effective value per dollar at back care-related merchants.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
0 merchants sit under Back Care. Capital One Venture X Rewards Credit Card earns the top spot at 9.3¢ per dollar, with a $395 annual fee. Cards 2–5 are within striking distance and may be the better pick depending on your other spend.
Capital One
Ranked by effective value per dollar at back care-related merchants.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
0 merchants sit under Back Care. Capital One Venture X Rewards Credit Card earns the top spot at 9.3¢ per dollar, with a $395 annual fee. Cards 2–5 are within striking distance and may be the better pick depending on your other spend.
Capital One
Citi
Amex
Chase
Wells Fargo
All 10 cards ranked by effective value per dollar.
| Card | Travel Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Credit CardCapital One | 10x Venture Miles | 9.3¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 10x ThankYou Points | 6.8¢/$ | $95 | — | mastercard |
| The Platinum Card from American ExpressAmex | 5x Membership Rewards | 4.5¢/$ | $895 | $278 | amex |
| Chase Sapphire ReserveChase | 4x Ultimate Rewards | 4.7¢/$ | $795 | $198.50 | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 5x Wells Fargo Rewards | 4.1¢/$ | $95 | — | visa |
| Capital One Venture Rewards Credit CardCapital One | 5x Venture Miles | 3.5¢/$ | $95 | — | mastercard |
| Bank of America® Unlimited Cash Rewards for StudentsBank Of America | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Capital One VentureOne Rewards Credit CardCapital One | 5x Venture Miles | 3.5¢/$ | $0 | — | mastercard |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $597.50 | mastercard |
| U.S. Bank Shield Visa CardUsbank | 4% cash back | 2.5¢/$ | $0 | $10 | visa |
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →Citi
Amex
Chase
Wells Fargo
All 10 cards ranked by effective value per dollar.
| Card | Travel Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Credit CardCapital One | 10x Venture Miles | 9.3¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 10x ThankYou Points | 6.8¢/$ | $95 | — | mastercard |
| The Platinum Card from American ExpressAmex | 5x Membership Rewards | 4.5¢/$ | $895 | $278 | amex |
| Chase Sapphire ReserveChase | 4x Ultimate Rewards | 4.7¢/$ | $795 | $198.50 | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 5x Wells Fargo Rewards | 4.1¢/$ | $95 | — | visa |
| Capital One Venture Rewards Credit CardCapital One | 5x Venture Miles | 3.5¢/$ | $95 | — | mastercard |
| Bank of America® Unlimited Cash Rewards for StudentsBank Of America | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Capital One VentureOne Rewards Credit CardCapital One | 5x Venture Miles | 3.5¢/$ | $0 | — | mastercard |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $597.50 | mastercard |
| U.S. Bank Shield Visa CardUsbank | 4% cash back | 2.5¢/$ | $0 | $10 | visa |
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →Citi
Amex
Chase
Wells Fargo
All 10 cards ranked by effective value per dollar.
| Card | Travel Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Credit CardCapital One | 10x Venture Miles | 9.3¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 10x ThankYou Points | 6.8¢/$ | $95 | — | mastercard |
| The Platinum Card from American ExpressAmex | 5x Membership Rewards | 4.5¢/$ | $895 | $278 | amex |
| Chase Sapphire ReserveChase | 4x Ultimate Rewards | 4.7¢/$ | $795 | $198.50 | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 5x Wells Fargo Rewards | 4.1¢/$ | $95 | — | visa |
| Capital One Venture Rewards Credit CardCapital One | 5x Venture Miles | 3.5¢/$ | $95 | — | mastercard |
| Bank of America® Unlimited Cash Rewards for StudentsBank Of America | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Capital One VentureOne Rewards Credit CardCapital One | 5x Venture Miles | 3.5¢/$ | $0 | — | mastercard |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $597.50 | mastercard |
| U.S. Bank Shield Visa CardUsbank | 4% cash back | 2.5¢/$ | $0 | $10 | visa |
Want to filter by spend amount, network, or fee preference?
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