Netwise

All calculators

Best credit cards for dining in the US for 2026

Verified Oct 16, 2026USD

Ranked by what a couple's restaurant and takeout spending earns each year. Each card shows Year 1 against every year after, so a card that's mostly its welcome bonus is easy to spot.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

Spending: Couple · $2,555/moRank these on my own spending

  1. #1Chase Freedom Flex

    Chase

    Freedom Flex

    No annual feeDining 5xGroceries 5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$775
    Year 2+$525

    3 years $1,826 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$775
    Year 2+$525
    Welcome or anniversary bonus$250 / $0Rewards on spending$525 / $525Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    5x
    Groc
    Groceries
    5x
    Dine
    Dining and takeout
    5x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    5x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    3x
    Drug
    Drugstores
    5x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,826 after fees.
    2. Year 1. $775 = welcome bonus $250 + rewards $525.
    3. Each year after. $525 = rewards $525.
    4. Against #2. Beats Chase DoorDash Rewards Mastercard by $400 over 3 years, mostly on welcome bonus (+$250).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  2. #2Chase DoorDash Rewards Mastercard

    Chase

    DoorDash Rewards Mastercard

    No annual feeGroceries 2%Dining 4%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$475
    Year 2+$475

    3 years $1,426 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$475
    Year 2+$475
    Rewards on spending$475 / $475Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    4%
    Dine
    Dining and takeout
    1%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #2 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,426 after fees.
    2. Year 1. $475 = rewards $475.
    3. Each year after. $475 = rewards $475.
    4. Against #1. Trails Chase Freedom Flex by $400 over 3 years, mostly on welcome bonus (−$250).
    5. Against #3. Trails Chase Sapphire Reserve by $1,214 over 3 years, mostly on credits (−$2,664).
    Verified Oct 16, 2026Every term and assumption
  3. #3Chase Sapphire Reserve

    Chase

    Sapphire Reserve

    $795 feeDining 3xFlights 4x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,547
    Year 2+$547

    3 years $2,640 after fees· pays for itself in month 3

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,547
    Year 2+$547
    Welcome or anniversary bonus$1,000 / $0Rewards on spending$454 / $454Credits$888 / $888Fees (taken off the end)−$795 / −$795
    Pays for itself in month 3 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    4x
    Air
    Flights
    4x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #3 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,640 after fees.
    2. Year 1. $1,547 = welcome bonus $1,000 + rewards $454 + credits $888 − fee $795.
    3. Each year after. $547 = rewards $454 + credits $888 − fee $795.
    4. Against #2. Beats Chase DoorDash Rewards Mastercard by $1,214 over 3 years, mostly on credits (+$2,664).
    5. Against #4. Beats Citi Strata Premier by $367 over 3 years, mostly on credits (+$2,544).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  4. #4Citi Strata Premier

    Citi

    Strata Premier

    $95 feeGroceries 3xDining 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,158
    Year 2+$558

    3 years $2,273 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,158
    Year 2+$558
    Welcome or anniversary bonus$600 / $0Rewards on spending$613 / $613Credits$40 / $40Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #4 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,273 after fees.
    2. Year 1. $1,158 = welcome bonus $600 + rewards $613 + credits $40 − fee $95.
    3. Each year after. $558 = rewards $613 + credits $40 − fee $95.
    4. Against #3. Trails Chase Sapphire Reserve by $367 over 3 years, mostly on credits (−$2,544).
    5. Against #5. Beats Wells Fargo One Key Card by $49 over 3 years, mostly on welcome bonus (+$350).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  5. #5Wells Fargo One Key Card

    Wells Fargo

    One Key Card

    No annual feeGroceries 3%Dining 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$908
    Year 2+$658

    3 years $2,224 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$908
    Year 2+$658
    Welcome or anniversary bonus$250 / $0Rewards on spending$658 / $658Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    3%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #5 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,224 after fees.
    2. Year 1. $908 = welcome bonus $250 + rewards $658.
    3. Each year after. $658 = rewards $658.
    4. Against #4. Trails Citi Strata Premier by $49 over 3 years, mostly on welcome bonus (−$350).
    5. Against #6. Beats Chase World of Hyatt by $118 over 3 years, mostly on welcome bonus (−$425).
    Verified Oct 16, 2026Every term and assumption
  6. #6Chase World of Hyatt

    Chase

    World of Hyatt

    $95 feeDining 2xFlights 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,152, based on 1.5 cents per point
    Year 2+estimated value, about $477, based on 1.5 cents per point

    3 years estimated value, about $2,106, based on 1.5 cents per point after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,152, based on 1.5 cents per point
    Year 2+estimated value, about $477, based on 1.5 cents per point
    Welcome or anniversary bonus$675 / $0Rewards on spending$572 / $572Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    4x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #6 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $2,106 (estimated) after fees.
    2. Year 1. about $1,152 (estimated) = welcome bonus $675 + rewards $572 − fee $95.
    3. Each year after. about $477 (estimated) = rewards $572 − fee $95.
    4. Against #5. Trails Wells Fargo One Key Card by $118 over 3 years, mostly on welcome bonus (+$425).
    5. Against #7. Beats Chase Sapphire Preferred by $3 over 3 years, mostly on rewards on spending (+$330).
    6. Not counted. The anniversary Category 1–4 free night isn't valued: Chase doesn't state its points value.

    Points valued at 1.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Not counted: The anniversary Category 1–4 free night isn't valued: Chase doesn't state its points value.

    Verified Oct 16, 2026Every term and assumption
  7. #7Chase Sapphire Preferred

    Chase

    Sapphire Preferred

    $95 feeDining 3xGas 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,201
    Year 2+$451

    3 years $2,103 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,201
    Year 2+$451
    Welcome or anniversary bonus$750 / $0Rewards on spending$462 / $462Credits$84 / $84Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #7 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,103 after fees.
    2. Year 1. $1,201 = welcome bonus $750 + rewards $462 + credits $84 − fee $95.
    3. Each year after. $451 = rewards $462 + credits $84 − fee $95.
    4. Against #6. Trails Chase World of Hyatt by $3 over 3 years, mostly on rewards on spending (−$330).
    5. Against #8. Beats Wells Fargo Autograph Journey by $267 over 3 years, mostly on welcome bonus (+$150).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  8. #8Wells Fargo Autograph Journey

    Wells Fargo

    Autograph Journey

    $95 feeDining 3xFlights 4x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,012
    Year 2+$412

    3 years $1,836 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,012
    Year 2+$412
    Welcome or anniversary bonus$600 / $0Rewards on spending$467 / $467Credits$40 / $40Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    4x
    Air
    Flights
    5x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #8 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,836 after fees.
    2. Year 1. $1,012 = welcome bonus $600 + rewards $467 + credits $40 − fee $95.
    3. Each year after. $412 = rewards $467 + credits $40 − fee $95.
    4. Against #7. Trails Chase Sapphire Preferred by $267 over 3 years, mostly on welcome bonus (−$150).
    5. Against #9. Beats Capital One Savor by $10 over 3 years, mostly on welcome bonus (+$400).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  9. #9Capital One Savor

    Capital One

    Savor

    No annual feeGroceries 3%Dining 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$742
    Year 2+$542

    3 years $1,825 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$742
    Year 2+$542
    Welcome or anniversary bonus$200 / $0Rewards on spending$542 / $542Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    1%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    3%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #9 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,825 after fees.
    2. Year 1. $742 = welcome bonus $200 + rewards $542.
    3. Each year after. $542 = rewards $542.
    4. Against #8. Trails Wells Fargo Autograph Journey by $10 over 3 years, mostly on welcome bonus (−$400).
    5. Against #10. Beats Chase Freedom Unlimited by $35 over 3 years, mostly on rewards on spending (+$35).
    Verified Oct 16, 2026Every term and assumption
  10. #10Chase Freedom Unlimited

    Chase

    Freedom Unlimited

    No annual feeDining 3xDrugstores 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$730
    Year 2+$530

    3 years $1,790 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$730
    Year 2+$530
    Welcome or anniversary bonus$200 / $0Rewards on spending$530 / $530Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    1.5x
    Gas
    Gas and EV charging
    1.5x
    Air
    Flights
    1.5x
    Hotel
    Hotels and car rentals
    1.5x
    Transit
    Transit and rideshare
    1.5x
    Stream
    Streaming
    3x
    Drug
    Drugstores
    1.5x
    Online
    Online shopping
    1.5x
    Bills
    Phone, internet and utilities
    1.5x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #10 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,790 after fees.
    2. Year 1. $730 = welcome bonus $200 + rewards $530.
    3. Each year after. $530 = rewards $530.
    4. Against #9. Trails Capital One Savor by $35 over 3 years, mostly on rewards on spending (−$35).
    5. Against #11. Beats Bank of America Customized Cash Rewards by $89 over 3 years, mostly on rewards on spending (+$89).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  11. #11Bank of America Customized Cash Rewards

    Bank of America

    Customized Cash Rewards

    No annual feeGroceries 2%Dining 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$805
    Year 2+$449

    3 years $1,702 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$805
    Year 2+$449
    Welcome or anniversary bonus$200 / $0Rewards on spending$605 / $449Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    3%
    Gas
    Gas and EV charging
    3%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    3%
    Drug
    Drugstores
    3%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #11 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,702 after fees.
    2. Year 1. $805 = welcome bonus $200 + rewards $605.
    3. Each year after. $449 = rewards $449.
    4. Against #10. Trails Chase Freedom Unlimited by $89 over 3 years, mostly on rewards on spending (−$89).
    5. Against #12. Beats Wells Fargo Autograph by $31 over 3 years, mostly on rewards on spending (+$31).
    Verified Oct 16, 2026Every term and assumption
  12. #12Wells Fargo Autograph

    Wells Fargo

    Autograph

    No annual feeDining 3xGas 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$690
    Year 2+$490

    3 years $1,671 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$690
    Year 2+$490
    Welcome or anniversary bonus$200 / $0Rewards on spending$490 / $490Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #12 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,671 after fees.
    2. Year 1. $690 = welcome bonus $200 + rewards $490.
    3. Each year after. $490 = rewards $490.
    4. Against #11. Trails Bank of America Customized Cash Rewards by $31 over 3 years, mostly on rewards on spending (−$31).
    5. Against #13. Beats Citi Costco Anywhere Visa by $211 over 3 years, mostly on welcome bonus (+$200).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  13. #13Citi Costco Anywhere Visa

    Citi

    Costco Anywhere Visa

    No annual feeDining 3%Gas 4%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$487
    Year 2+$487

    3 years $1,460 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$487
    Year 2+$487
    Rewards on spending$487 / $487Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    4%
    Gas
    Gas and EV charging
    3%
    Air
    Flights
    3%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #13 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,460 after fees.
    2. Year 1. $487 = rewards $487.
    3. Each year after. $487 = rewards $487.
    4. Against #12. Trails Wells Fargo Autograph by $211 over 3 years, mostly on welcome bonus (−$200).
    5. Against #14. Trails Chase IHG One Rewards Premier by $2,341 over 3 years, mostly on welcome bonus (−$1,062).
    Verified Oct 16, 2026Every term and assumption
  14. #14Chase IHG One Rewards Premier

    Chase

    IHG One Rewards Premier

    $150 feeGroceries 5xDining 5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,778, based on 0.59 cents per point
    Year 2+estimated value, about $1,011, based on 0.59 cents per point

    3 years estimated value, about $3,801, based on 0.59 cents per point after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,778, based on 0.59 cents per point
    Year 2+estimated value, about $1,011, based on 0.59 cents per point
    Welcome or anniversary bonus$1,062 / $295Rewards on spending$731 / $731Credits$135 / $135Fees (taken off the end)−$150 / −$150
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    5x
    Groc
    Groceries
    5x
    Dine
    Dining and takeout
    5x
    Gas
    Gas and EV charging
    5x
    Air
    Flights
    10x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    3x
    Drug
    Drugstores
    3x
    Online
    Online shopping
    3x
    Bills
    Phone, internet and utilities
    3x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #14 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $3,801 (estimated) after fees.
    2. Year 1. about $1,778 (estimated) = welcome bonus $1,062 + rewards $731 + credits $135 − fee $150.
    3. Each year after. about $1,011 (estimated) = anniversary bonus $295 + rewards $731 + credits $135 − fee $150.
    4. Against #13. Beats Citi Costco Anywhere Visa by $2,341 over 3 years, mostly on welcome bonus (+$1,062).
    5. Against #15. Beats Chase Air Canada Aeroplan Card by $592 over 3 years, mostly on welcome bonus (−$548).
    6. Not counted. The anniversary free night is valued at the most points it can cover.

    Points valued at 0.59¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Not counted: The anniversary free night is valued at the most points it can cover.

    Verified Oct 16, 2026Every term and assumption
  15. #15Chase Air Canada Aeroplan Card

    Chase

    Air Canada Aeroplan Card

    $195 feeGroceries 2xDining 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $2,143, based on 1.4 cents per point
    Year 2+estimated value, about $533, based on 1.4 cents per point

    3 years estimated value, about $3,209, based on 1.4 cents per point after fees· pays for itself in month 2Mostly first-year value

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $2,143, based on 1.4 cents per point
    Year 2+estimated value, about $533, based on 1.4 cents per point
    Welcome or anniversary bonus$1,610 / $0Rewards on spending$673 / $673Credits$55 / $55Fees (taken off the end)−$195 / −$195
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #15 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $3,209 (estimated) after fees.
    2. Year 1. about $2,143 (estimated) = welcome bonus $1,610 + rewards $673 + credits $55 − fee $195.
    3. Each year after. about $533 (estimated) = rewards $673 + credits $55 − fee $195.
    4. Against #14. Trails Chase IHG One Rewards Premier by $592 over 3 years, mostly on welcome bonus (+$548).
    5. Against #16. Beats Discover it Cash Back by $1,214 over 3 years, mostly on welcome bonus (+$1,610).

    Points valued at 1.40¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  16. #16Discover it Cash Back

    Discover

    it Cash Back

    No annual feeGroceries 5%Dining 5%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$997
    Year 2+$499

    3 years $1,994 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$997
    Year 2+$499
    Rewards on spending$997 / $499Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    5%
    Groc
    Groceries
    5%
    Dine
    Dining and takeout
    5%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    5%
    Transit
    Transit and rideshare
    5%
    Stream
    Streaming
    5%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    5%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #16 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,994 after fees.
    2. Year 1. $997 = rewards $997.
    3. Each year after. $499 = rewards $499.
    4. Against #15. Trails Chase Air Canada Aeroplan Card by $1,214 over 3 years, mostly on welcome bonus (−$1,610).
    5. Against #17. Discover it Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  17. #17Discover it Secured

    Discover

    it Secured

    No annual feeGroceries 5%Dining 5%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$997
    Year 2+$499

    3 years $1,994 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$997
    Year 2+$499
    Rewards on spending$997 / $499Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    5%
    Groc
    Groceries
    5%
    Dine
    Dining and takeout
    5%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    5%
    Transit
    Transit and rideshare
    5%
    Stream
    Streaming
    5%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    5%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #17 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,994 after fees.
    2. Year 1. $997 = rewards $997.
    3. Each year after. $499 = rewards $499.
    4. Against #16. Discover it Cash Back is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #18. Discover it Student Cash Back is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  18. #18Discover it Student Cash Back

    Discover

    it Student Cash Back

    No annual feeGroceries 5%Dining 5%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$997
    Year 2+$499

    3 years $1,994 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$997
    Year 2+$499
    Rewards on spending$997 / $499Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    5%
    Groc
    Groceries
    5%
    Dine
    Dining and takeout
    5%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    5%
    Transit
    Transit and rideshare
    5%
    Stream
    Streaming
    5%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    5%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #18 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,994 after fees.
    2. Year 1. $997 = rewards $997.
    3. Each year after. $499 = rewards $499.
    4. Against #17. Discover it Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #19. Beats Chase Southwest Rapid Rewards Priority by $212 over 3 years, mostly on welcome bonus (−$750).
    Verified Oct 16, 2026Every term and assumption
  19. #19Chase Southwest Rapid Rewards Priority

    Chase

    Southwest Rapid Rewards Priority

    $229 feeDining 2xGas 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,032, based on 1.25 cents per point
    Year 2+estimated value, about $376, based on 1.25 cents per point

    3 years estimated value, about $1,783, based on 1.25 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,032, based on 1.25 cents per point
    Year 2+estimated value, about $376, based on 1.25 cents per point
    Welcome or anniversary bonus$750 / $94Rewards on spending$481 / $481Credits$30 / $30Fees (taken off the end)−$229 / −$229
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    4x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #19 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,783 (estimated) after fees.
    2. Year 1. about $1,032 (estimated) = welcome bonus $750 + rewards $481 + credits $30 − fee $229.
    3. Each year after. about $376 (estimated) = anniversary bonus $94 + rewards $481 + credits $30 − fee $229.
    4. Against #18. Trails Discover it Student Cash Back by $212 over 3 years, mostly on welcome bonus (+$750).
    5. Against #20. Trails Chase United Quest by $518 over 3 years, mostly on credits (−$888).

    Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  20. #20Chase United Quest

    Chase

    United Quest

    $350 feeDining 2xFlights 4x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,407, based on 1.2 cents per point
    Year 2+estimated value, about $447, based on 1.2 cents per point

    3 years estimated value, about $2,301, based on 1.2 cents per point after fees· pays for itself in month 2Mostly first-year value

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,407, based on 1.2 cents per point
    Year 2+estimated value, about $447, based on 1.2 cents per point
    Welcome or anniversary bonus$960 / $0Rewards on spending$471 / $471Credits$326 / $326Fees (taken off the end)−$350 / −$350
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    4x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #20 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $2,301 (estimated) after fees.
    2. Year 1. about $1,407 (estimated) = welcome bonus $960 + rewards $471 + credits $326 − fee $350.
    3. Each year after. about $447 (estimated) = rewards $471 + credits $326 − fee $350.
    4. Against #19. Beats Chase Southwest Rapid Rewards Priority by $518 over 3 years, mostly on credits (+$888).
    5. Against #21. Beats Chase United Explorer by $121 over 3 years, mostly on annual fees (−$750).

    Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  21. #21Chase United Explorer

    Chase

    United Explorer

    $150 fee · yr 1 freeDining 2xFlights 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,387, based on 1.2 cents per point
    Year 2+estimated value, about $397, based on 1.2 cents per point

    3 years estimated value, about $2,180, based on 1.2 cents per point after fees· pays for itself in month 1Mostly first-year value

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,387, based on 1.2 cents per point
    Year 2+estimated value, about $397, based on 1.2 cents per point
    Welcome or anniversary bonus$840 / $0Rewards on spending$444 / $444Credits$103 / $103Fees (taken off the end)-$0 / −$150
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #21 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $2,180 (estimated) after fees.
    2. Year 1. about $1,387 (estimated) = welcome bonus $840 + rewards $444 + credits $103.
    3. Each year after. about $397 (estimated) = rewards $444 + credits $103 − fee $150.
    4. Against #20. Trails Chase United Quest by $121 over 3 years, mostly on annual fees (+$750).
    5. Against #22. Beats American Express Gold Card by $1,286 over 3 years, mostly on welcome bonus (+$840).

    Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  22. #22American Express Gold Card

    American Express

    Gold Card

    $325 feeGroceries 4xDining 4x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$298
    Year 2+$298

    3 years $893 after fees· pays for itself in month 7Bonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$298
    Year 2+$298
    Rewards on spending$404 / $404Credits$219 / $219Fees (taken off the end)−$325 / −$325
    Pays for itself in month 7 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    4x
    Groc
    Groceries
    4x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #22 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $893 after fees.
    2. Year 1. $298 = rewards $404 + credits $219 − fee $325.
    3. Each year after. $298 = rewards $404 + credits $219 − fee $325.
    4. Against #21. Trails Chase United Explorer by $1,286 over 3 years, mostly on welcome bonus (−$840).
    5. Against #23. Trails Chase Southwest Rapid Rewards Premier by $1,082 over 3 years, mostly on welcome bonus (−$688).
    6. Not counted. Welcome offer not counted: American Express shows the welcome offer only after you apply.

    Points valued at 0.60¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  23. #23Chase Southwest Rapid Rewards Premier

    Chase

    Southwest Rapid Rewards Premier

    $149 feeGroceries 2xDining 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,067, based on 1.25 cents per point
    Year 2+estimated value, about $454, based on 1.25 cents per point

    3 years estimated value, about $1,975, based on 1.25 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,067, based on 1.25 cents per point
    Year 2+estimated value, about $454, based on 1.25 cents per point
    Welcome or anniversary bonus$688 / $75Rewards on spending$498 / $498Credits$30 / $30Fees (taken off the end)−$149 / −$149
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #23 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,975 (estimated) after fees.
    2. Year 1. about $1,067 (estimated) = welcome bonus $688 + rewards $498 + credits $30 − fee $149.
    3. Each year after. about $454 (estimated) = anniversary bonus $75 + rewards $498 + credits $30 − fee $149.
    4. Against #22. Beats American Express Gold Card by $1,082 over 3 years, mostly on welcome bonus (+$688).
    5. Against #24. Trails Citi Double Cash by $64 over 3 years, mostly on welcome bonus (+$488).

    Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  24. #24Citi Double Cash

    Citi

    Double Cash

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$813
    Year 2+$613

    3 years $2,040 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$813
    Year 2+$613
    Welcome or anniversary bonus$200 / $0Rewards on spending$613 / $613Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #24 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,040 after fees.
    2. Year 1. $813 = welcome bonus $200 + rewards $613.
    3. Each year after. $613 = rewards $613.
    4. Against #23. Beats Chase Southwest Rapid Rewards Premier by $64 over 3 years, mostly on welcome bonus (−$488).
    5. Against #25. Beats Bank of America Premium Rewards by $52 over 3 years, mostly on welcome bonus (−$400).
    Verified Oct 16, 2026Every term and assumption
  25. #25Bank of America Premium Rewards

    Bank of America

    Premium Rewards

    $95 feeDining 2%Flights 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,063
    Year 2+$463

    3 years $1,988 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,063
    Year 2+$463
    Welcome or anniversary bonus$600 / $0Rewards on spending$495 / $495Credits$63 / $63Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #25 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,988 after fees.
    2. Year 1. $1,063 = welcome bonus $600 + rewards $495 + credits $63 − fee $95.
    3. Each year after. $463 = rewards $495 + credits $63 − fee $95.
    4. Against #24. Trails Citi Double Cash by $52 over 3 years, mostly on welcome bonus (+$400).
    5. Against #26. Beats Wells Fargo Active Cash by $48 over 3 years, mostly on welcome bonus (+$500).
    Verified Oct 16, 2026Every term and assumption
  26. #26Wells Fargo Active Cash

    Wells Fargo

    Active Cash

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$713
    Year 2+$613

    3 years $1,940 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$713
    Year 2+$613
    Welcome or anniversary bonus$100 / $0Rewards on spending$613 / $613Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #26 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,940 after fees.
    2. Year 1. $713 = welcome bonus $100 + rewards $613.
    3. Each year after. $613 = rewards $613.
    4. Against #25. Trails Bank of America Premium Rewards by $48 over 3 years, mostly on welcome bonus (−$500).
    5. Against #27. Beats U.S. Bank Smartly Visa Signature by $100 over 3 years, mostly on welcome bonus (+$100).
    Verified Oct 16, 2026Every term and assumption
  27. #27U.S. Bank Smartly Visa Signature

    U.S. Bank

    Smartly Visa Signature

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$613
    Year 2+$613

    3 years $1,840 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$613
    Year 2+$613
    Rewards on spending$613 / $613Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #27 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,840 after fees.
    2. Year 1. $613 = rewards $613.
    3. Each year after. $613 = rewards $613.
    4. Against #26. Trails Wells Fargo Active Cash by $100 over 3 years, mostly on welcome bonus (−$100).
    5. Against #28. Beats Citi Strata by $189 over 3 years, mostly on rewards on spending (+$189).
    Verified Oct 16, 2026Every term and assumption
  28. #28Citi Strata

    Citi

    Strata

    No annual feeGroceries 3xDining 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$550
    Year 2+$550

    3 years $1,651 after fees· no fee to coverBonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$550
    Year 2+$550
    Rewards on spending$550 / $550Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #28 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,651 after fees.
    2. Year 1. $550 = rewards $550.
    3. Each year after. $550 = rewards $550.
    4. Against #27. Trails U.S. Bank Smartly Visa Signature by $189 over 3 years, mostly on rewards on spending (−$189).
    5. Against #29. Beats Chase Prime Visa by $199 over 3 years, mostly on rewards on spending (+$349).
    6. Not counted. Welcome offer not counted: Bonus points after a spending requirement; the amounts don't load on Citi's page.

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  29. #29Chase Prime Visa

    Chase

    Prime Visa

    No annual feeOnline 5%Dining 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$584
    Year 2+$434

    3 years $1,451 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$584
    Year 2+$434
    Welcome or anniversary bonus$150 / $0Rewards on spending$434 / $434Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    5%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #29 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,451 after fees.
    2. Year 1. $584 = welcome bonus $150 + rewards $434.
    3. Each year after. $434 = rewards $434.
    4. Against #28. Trails Citi Strata by $199 over 3 years, mostly on rewards on spending (−$349).
    5. Against #30. Beats Chase Amazon Visa by $190 over 3 years, mostly on welcome bonus (+$100).
    Verified Oct 16, 2026Every term and assumption
  30. #30Chase Amazon Visa

    Chase

    Amazon Visa

    No annual feeDining 2%Online 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$454
    Year 2+$404

    3 years $1,261 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$454
    Year 2+$404
    Welcome or anniversary bonus$50 / $0Rewards on spending$404 / $404Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    3%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #30 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,261 after fees.
    2. Year 1. $454 = welcome bonus $50 + rewards $404.
    3. Each year after. $404 = rewards $404.
    4. Against #29. Trails Chase Prime Visa by $190 over 3 years, mostly on welcome bonus (−$100).
    5. Against #31. Trails Chase Marriott Bonvoy Boundless by $1,623 over 3 years, mostly on welcome bonus (−$1,045).
    Verified Oct 16, 2026Every term and assumption
  31. #31Chase Marriott Bonvoy Boundless

    Chase

    Marriott Bonvoy Boundless

    $95 feeGroceries 3xDining 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,555, based on 0.73 cents per point
    Year 2+estimated value, about $665, based on 0.73 cents per point

    3 years estimated value, about $2,885, based on 0.73 cents per point after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,555, based on 0.73 cents per point
    Year 2+estimated value, about $665, based on 0.73 cents per point
    Welcome or anniversary bonus$1,095 / $256Rewards on spending$505 / $505Credits$50 / $0Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    6x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    2x
    Drug
    Drugstores
    2x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    2x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #31 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $2,885 (estimated) after fees.
    2. Year 1. about $1,555 (estimated) = welcome bonus $1,095 + rewards $505 + credits $50 − fee $95.
    3. Each year after. about $665 (estimated) = anniversary bonus $256 + rewards $505 − fee $95.
    4. Against #30. Beats Chase Amazon Visa by $1,623 over 3 years, mostly on welcome bonus (+$1,045).
    5. Against #32. Beats Chase IHG One Rewards by $714 over 3 years, mostly on welcome bonus (+$358).
    6. Not counted. Free Night Awards are valued at the most points each night can cover.

    Points valued at 0.73¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  32. #32Chase IHG One Rewards

    Chase

    IHG One Rewards

    No annual feeGroceries 3xDining 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,215, based on 0.59 cents per point
    Year 2+estimated value, about $478, based on 0.59 cents per point

    3 years estimated value, about $2,170, based on 0.59 cents per point after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,215, based on 0.59 cents per point
    Year 2+estimated value, about $478, based on 0.59 cents per point
    Welcome or anniversary bonus$738 / $0Rewards on spending$448 / $448Credits$30 / $30Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    5x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    2x
    Drug
    Drugstores
    2x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    2x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #32 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $2,170 (estimated) after fees.
    2. Year 1. about $1,215 (estimated) = welcome bonus $738 + rewards $448 + credits $30.
    3. Each year after. about $478 (estimated) = rewards $448 + credits $30.
    4. Against #31. Trails Chase Marriott Bonvoy Boundless by $714 over 3 years, mostly on welcome bonus (−$358).
    5. Against #33. Beats Discover it Chrome by $784 over 3 years, mostly on welcome bonus (+$738).

    Points valued at 0.59¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  33. #33Discover it Chrome

    Discover

    it Chrome

    No annual feeDining 2%Gas 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$693
    Year 2+$347

    3 years $1,386 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$693
    Year 2+$347
    Rewards on spending$693 / $347Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #33 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,386 after fees.
    2. Year 1. $693 = rewards $693.
    3. Each year after. $347 = rewards $347.
    4. Against #32. Trails Chase IHG One Rewards by $784 over 3 years, mostly on welcome bonus (−$738).
    5. Against #34. Trails Bank of America Atmos Rewards Ascent by $804 over 3 years, mostly on welcome bonus (−$750).
    Verified Oct 16, 2026Every term and assumption
  34. #34Bank of America Atmos Rewards Ascent

    Bank of America

    Atmos Rewards Ascent

    $95 feeBills 2xGas 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,230, based on 1.5 cents per point
    Year 2+estimated value, about $480, based on 1.5 cents per point

    3 years estimated value, about $2,190, based on 1.5 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,230, based on 1.5 cents per point
    Year 2+estimated value, about $480, based on 1.5 cents per point
    Welcome or anniversary bonus$750 / $0Rewards on spending$575 / $575Fees (taken off the end)−$95 / −$95
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #34 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $2,190 (estimated) after fees.
    2. Year 1. about $1,230 (estimated) = welcome bonus $750 + rewards $575 − fee $95.
    3. Each year after. about $480 (estimated) = rewards $575 − fee $95.
    4. Against #33. Beats Discover it Chrome by $804 over 3 years, mostly on welcome bonus (+$750).
    5. Against #35. Beats Discover it Miles by $351 over 3 years, mostly on welcome bonus (+$750).

    Points valued at 1.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  35. #35Discover it Miles

    Discover

    it Miles

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$920
    Year 2+$460

    3 years $1,840 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$920
    Year 2+$460
    Rewards on spending$920 / $460Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #35 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,840 after fees.
    2. Year 1. $920 = rewards $920.
    3. Each year after. $460 = rewards $460.
    4. Against #34. Trails Bank of America Atmos Rewards Ascent by $351 over 3 years, mostly on welcome bonus (−$750).
    5. Against #36. Beats Bank of America Travel Rewards by $210 over 3 years, mostly on rewards on spending (+$460).
    Verified Oct 16, 2026Every term and assumption
  36. #36Bank of America Travel Rewards

    Bank of America

    Travel Rewards

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$710
    Year 2+$460

    3 years $1,630 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$710
    Year 2+$460
    Welcome or anniversary bonus$250 / $0Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #36 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,630 after fees.
    2. Year 1. $710 = welcome bonus $250 + rewards $460.
    3. Each year after. $460 = rewards $460.
    4. Against #35. Trails Discover it Miles by $210 over 3 years, mostly on rewards on spending (−$460).
    5. Against #37. Bank of America Unlimited Cash Rewards is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  37. #37Bank of America Unlimited Cash Rewards

    Bank of America

    Unlimited Cash Rewards

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$710
    Year 2+$460

    3 years $1,630 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$710
    Year 2+$460
    Welcome or anniversary bonus$250 / $0Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #37 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,630 after fees.
    2. Year 1. $710 = welcome bonus $250 + rewards $460.
    3. Each year after. $460 = rewards $460.
    4. Against #36. Bank of America Travel Rewards is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #38. Beats Capital One Quicksilver by $50 over 3 years, mostly on welcome bonus (+$50).
    Verified Oct 16, 2026Every term and assumption
  38. #38Capital One Quicksilver

    Capital One

    Quicksilver

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$660
    Year 2+$460

    3 years $1,580 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$660
    Year 2+$460
    Welcome or anniversary bonus$200 / $0Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #38 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,580 after fees.
    2. Year 1. $660 = welcome bonus $200 + rewards $460.
    3. Each year after. $460 = rewards $460.
    4. Against #37. Trails Bank of America Unlimited Cash Rewards by $50 over 3 years, mostly on welcome bonus (−$50).
    5. Against #39. Beats Chase Freedom Rise by $175 over 3 years, mostly on welcome bonus (+$175).
    Verified Oct 16, 2026Every term and assumption
  39. #39Chase Freedom Rise

    Chase

    Freedom Rise

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$485
    Year 2+$460

    3 years $1,405 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$485
    Year 2+$460
    Welcome or anniversary bonus$25 / $0Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5x
    Groc
    Groceries
    1.5x
    Dine
    Dining and takeout
    1.5x
    Gas
    Gas and EV charging
    1.5x
    Air
    Flights
    1.5x
    Hotel
    Hotels and car rentals
    1.5x
    Transit
    Transit and rideshare
    1.5x
    Stream
    Streaming
    1.5x
    Drug
    Drugstores
    1.5x
    Online
    Online shopping
    1.5x
    Bills
    Phone, internet and utilities
    1.5x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #39 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,405 after fees.
    2. Year 1. $485 = welcome bonus $25 + rewards $460.
    3. Each year after. $460 = rewards $460.
    4. Against #38. Trails Capital One Quicksilver by $175 over 3 years, mostly on welcome bonus (−$175).
    5. Against #40. Beats Capital One Quicksilver Secured by $25 over 3 years, mostly on welcome bonus (+$25).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  40. #40Capital One Quicksilver Secured

    Capital One

    Quicksilver Secured

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$460
    Year 2+$460

    3 years $1,380 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$460
    Year 2+$460
    Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #40 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,380 after fees.
    2. Year 1. $460 = rewards $460.
    3. Each year after. $460 = rewards $460.
    4. Against #39. Trails Chase Freedom Rise by $25 over 3 years, mostly on welcome bonus (−$25).
    5. Against #41. Goldman Sachs Apple Card is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  41. #41Goldman Sachs Apple Card

    Goldman Sachs

    Apple Card

    No annual feeGroceries 2%Dining 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$460
    Year 2+$460

    3 years $1,380 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$460
    Year 2+$460
    Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #41 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,380 after fees.
    2. Year 1. $460 = rewards $460.
    3. Each year after. $460 = rewards $460.
    4. Against #40. Capital One Quicksilver Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #42. Beats Capital One QuicksilverOne by $117 over 3 years, mostly on annual fees (+$117).
    Verified Oct 16, 2026Every term and assumption
  42. #42Capital One QuicksilverOne

    Capital One

    QuicksilverOne

    $39 fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$421
    Year 2+$421

    3 years $1,263 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$421
    Year 2+$421
    Rewards on spending$460 / $460Fees (taken off the end)−$39 / −$39
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #42 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,263 after fees.
    2. Year 1. $421 = rewards $460 − fee $39.
    3. Each year after. $421 = rewards $460 − fee $39.
    4. Against #41. Trails Goldman Sachs Apple Card by $117 over 3 years, mostly on annual fees (−$117).
    5. Against #43. Trails Chase Southwest Rapid Rewards Plus by $590 over 3 years, mostly on welcome bonus (−$625).
    Verified Oct 16, 2026Every term and assumption
  43. #43Chase Southwest Rapid Rewards Plus

    Chase

    Southwest Rapid Rewards Plus

    $99 feeGroceries 2xGas 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,009, based on 1.25 cents per point
    Year 2+estimated value, about $422, based on 1.25 cents per point

    3 years estimated value, about $1,853, based on 1.25 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,009, based on 1.25 cents per point
    Year 2+estimated value, about $422, based on 1.25 cents per point
    Welcome or anniversary bonus$625 / $38Rewards on spending$453 / $453Credits$30 / $30Fees (taken off the end)−$99 / −$99
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #43 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,853 (estimated) after fees.
    2. Year 1. about $1,009 (estimated) = welcome bonus $625 + rewards $453 + credits $30 − fee $99.
    3. Each year after. about $422 (estimated) = anniversary bonus $38 + rewards $453 + credits $30 − fee $99.
    4. Against #42. Beats Capital One QuicksilverOne by $590 over 3 years, mostly on welcome bonus (+$625).
    5. Against #44. Beats Chase United Gateway by $157 over 3 years, mostly on annual fees (−$297).

    Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  44. #44Chase United Gateway

    Chase

    United Gateway

    No annual feeGas 2xFlights 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $885, based on 1.2 cents per point
    Year 2+estimated value, about $405, based on 1.2 cents per point

    3 years estimated value, about $1,696, based on 1.2 cents per point after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $885, based on 1.2 cents per point
    Year 2+estimated value, about $405, based on 1.2 cents per point
    Welcome or anniversary bonus$480 / $0Rewards on spending$405 / $405Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #44 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,696 (estimated) after fees.
    2. Year 1. about $885 (estimated) = welcome bonus $480 + rewards $405.
    3. Each year after. about $405 (estimated) = rewards $405.
    4. Against #43. Trails Chase Southwest Rapid Rewards Plus by $157 over 3 years, mostly on annual fees (+$297).
    5. Against #45. Beats Chase British Airways Visa Signature by $20 over 3 years, mostly on welcome bonus (−$345).

    Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  45. #45Chase British Airways Visa Signature

    Chase

    British Airways Visa Signature

    $95 feeFlights 3xHotels 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,090, based on 1.1 cents per point
    Year 2+estimated value, about $293, based on 1.1 cents per point

    3 years estimated value, about $1,676, based on 1.1 cents per point after fees· pays for itself in month 2Mostly first-year value

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,090, based on 1.1 cents per point
    Year 2+estimated value, about $293, based on 1.1 cents per point
    Welcome or anniversary bonus$825 / $28Rewards on spending$360 / $360Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #45 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,676 (estimated) after fees.
    2. Year 1. about $1,090 (estimated) = welcome bonus $825 + rewards $360 − fee $95.
    3. Each year after. about $293 (estimated) = anniversary bonus $28 + rewards $360 − fee $95.
    4. Against #44. Trails Chase United Gateway by $20 over 3 years, mostly on welcome bonus (+$345).
    5. Against #46. Trails American Express Blue Cash Preferred by $553 over 3 years, mostly on rewards on spending (−$944).

    Points valued at 1.10¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  46. #46American Express Blue Cash Preferred

    American Express

    Blue Cash Preferred

    $95 fee · yr 1 freeGroceries 6%Gas 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$973
    Year 2+$628

    3 years $2,229 after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$973
    Year 2+$628
    Welcome or anniversary bonus$250 / $0Rewards on spending$675 / $675Credits$48 / $48Fees (taken off the end)-$0 / −$95
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    6%
    Groc
    Groceries
    1%
    Dine
    Dining and takeout
    3%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    3%
    Transit
    Transit and rideshare
    6%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #46 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,229 after fees.
    2. Year 1. $973 = welcome bonus $250 + rewards $675 + credits $48.
    3. Each year after. $628 = rewards $675 + credits $48 − fee $95.
    4. Against #45. Beats Chase British Airways Visa Signature by $553 over 3 years, mostly on rewards on spending (+$944).
    5. Against #47. Beats U.S. Bank Cash+ by $375 over 3 years, mostly on rewards on spending (+$371).

    Not counted: Some visitors are offered $300; the lowest offer seen is counted (up to $50 more).

    Verified Oct 16, 2026Every term and assumption
  47. #47U.S. Bank Cash+

    U.S. Bank

    Cash+

    No annual feeBills 5%Groceries 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$751
    Year 2+$551

    3 years $1,854 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$751
    Year 2+$551
    Welcome or anniversary bonus$200 / $0Rewards on spending$551 / $551Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    5%
    Transit
    Transit and rideshare
    5%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    5%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #47 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,854 after fees.
    2. Year 1. $751 = welcome bonus $200 + rewards $551.
    3. Each year after. $551 = rewards $551.
    4. Against #46. Trails American Express Blue Cash Preferred by $375 over 3 years, mostly on rewards on spending (−$371).
    5. Against #48. Beats American Express Blue Cash Everyday by $36 over 3 years, mostly on credits (−$101).
    Verified Oct 16, 2026Every term and assumption
  48. #48American Express Blue Cash Everyday

    American Express

    Blue Cash Everyday

    No annual feeGroceries 3%Online 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$706
    Year 2+$556

    3 years $1,819 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$706
    Year 2+$556
    Welcome or anniversary bonus$150 / $0Rewards on spending$523 / $523Credits$34 / $34Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3%
    Groc
    Groceries
    1%
    Dine
    Dining and takeout
    3%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    3%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #48 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,819 after fees.
    2. Year 1. $706 = welcome bonus $150 + rewards $523 + credits $34.
    3. Each year after. $556 = rewards $523 + credits $34.
    4. Against #47. Trails U.S. Bank Cash+ by $36 over 3 years, mostly on credits (+$101).
    5. Against #49. Beats Capital One Venture by $587 over 3 years, mostly on rewards on spending (+$648).

    Not counted: Some visitors are offered $200; the lowest offer seen is counted (up to $50 more).

    Verified Oct 16, 2026Every term and assumption
  49. #49Capital One Venture

    Capital One

    Venture

    $95 fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$761
    Year 2+$236

    3 years $1,232 after fees· pays for itself in month 2Mostly first-year value

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$761
    Year 2+$236
    Welcome or anniversary bonus$375 / $0Rewards on spending$307 / $307Credits$174 / $24Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    2x
    Drug
    Drugstores
    2x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    2x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #49 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,232 after fees.
    2. Year 1. $761 = welcome bonus $375 + rewards $307 + credits $174 − fee $95.
    3. Each year after. $236 = rewards $307 + credits $24 − fee $95.
    4. Against #48. Trails American Express Blue Cash Everyday by $587 over 3 years, mostly on rewards on spending (−$648).
    5. Against #50. Beats Capital One Venture X by $230 over 3 years, mostly on annual fees (+$900).

    Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  50. #50Capital One Venture X

    Capital One

    Venture X

    $395 fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$551
    Year 2+$226

    3 years $1,002 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$551
    Year 2+$226
    Welcome or anniversary bonus$375 / $50Rewards on spending$307 / $307Credits$264 / $264Fees (taken off the end)−$395 / −$395
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    2x
    Drug
    Drugstores
    2x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    2x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #50 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,002 after fees.
    2. Year 1. $551 = welcome bonus $375 + rewards $307 + credits $264 − fee $395.
    3. Each year after. $226 = anniversary bonus $50 + rewards $307 + credits $264 − fee $395.
    4. Against #49. Trails Capital One Venture by $230 over 3 years, mostly on annual fees (−$900).
    5. Against #51. Trails Wells Fargo Choice Privileges Mastercard by $746 over 3 years, mostly on annual fees (−$1,185).

    Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  51. #51Wells Fargo Choice Privileges Mastercard

    Wells Fargo

    Choice Privileges Mastercard

    No annual feeGroceries 3xBills 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $882, based on 0.75 cents per point
    Year 2+estimated value, about $432, based on 0.75 cents per point

    3 years estimated value, about $1,747, based on 0.75 cents per point after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $882, based on 0.75 cents per point
    Year 2+estimated value, about $432, based on 0.75 cents per point
    Welcome or anniversary bonus$450 / $0Rewards on spending$432 / $432Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    5x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    3x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #51 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,747 (estimated) after fees.
    2. Year 1. about $882 (estimated) = welcome bonus $450 + rewards $432.
    3. Each year after. about $432 (estimated) = rewards $432.
    4. Against #50. Beats Capital One Venture X by $746 over 3 years, mostly on annual fees (+$1,185).
    5. Against #52. Beats Chase Marriott Bonvoy Bold by $483 over 3 years, mostly on rewards on spending (+$362).

    Points valued at 0.75¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  52. #52Chase Marriott Bonvoy Bold

    Chase

    Marriott Bonvoy Bold

    No annual feeGroceries 2xBills 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $640, based on 0.73 cents per point
    Year 2+estimated value, about $312, based on 0.73 cents per point

    3 years estimated value, about $1,264, based on 0.73 cents per point after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $640, based on 0.73 cents per point
    Year 2+estimated value, about $312, based on 0.73 cents per point
    Welcome or anniversary bonus$329 / $0Rewards on spending$312 / $312Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #52 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,264 (estimated) after fees.
    2. Year 1. about $640 (estimated) = welcome bonus $329 + rewards $312.
    3. Each year after. about $312 (estimated) = rewards $312.
    4. Against #51. Trails Wells Fargo Choice Privileges Mastercard by $483 over 3 years, mostly on rewards on spending (−$362).
    5. Against #53. Beats Capital One VentureOne by $589 over 3 years, mostly on rewards on spending (+$361).

    Points valued at 0.73¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  53. #53Capital One VentureOne

    Capital One

    VentureOne

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$292
    Year 2+$192

    3 years $675 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$292
    Year 2+$192
    Welcome or anniversary bonus$100 / $0Rewards on spending$192 / $192Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.25x
    Groc
    Groceries
    1.25x
    Dine
    Dining and takeout
    1.25x
    Gas
    Gas and EV charging
    1.25x
    Air
    Flights
    1.25x
    Hotel
    Hotels and car rentals
    1.25x
    Transit
    Transit and rideshare
    1.25x
    Stream
    Streaming
    1.25x
    Drug
    Drugstores
    1.25x
    Online
    Online shopping
    1.25x
    Bills
    Phone, internet and utilities
    1.25x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #53 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $675 after fees.
    2. Year 1. $292 = welcome bonus $100 + rewards $192.
    3. Each year after. $192 = rewards $192.
    4. Against #52. Trails Chase Marriott Bonvoy Bold by $589 over 3 years, mostly on rewards on spending (−$361).
    5. Against #54. Trails American Express Platinum Card by $579 over 3 years, mostly on credits (−$3,301).

    Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  54. #54American Express Platinum Card

    American Express

    Platinum Card

    $895 feeFlights 5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$418
    Year 2+$418

    3 years $1,254 after fees· pays for itself in month 9Bonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$418
    Year 2+$418
    Rewards on spending$213 / $213Credits$1,100 / $1,100Fees (taken off the end)−$895 / −$895
    Pays for itself in month 9 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    5x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #54 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,254 after fees.
    2. Year 1. $418 = rewards $213 + credits $1,100 − fee $895.
    3. Each year after. $418 = rewards $213 + credits $1,100 − fee $895.
    4. Against #53. Beats Capital One VentureOne by $579 over 3 years, mostly on credits (+$3,301).
    5. Against #55. Beats Bank of America BankAmericard by $1,254 over 3 years, mostly on credits (+$3,301).
    6. Not counted. Welcome offer not counted: American Express shows the welcome offer only after you apply.

    Points valued at 0.60¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  55. #55Bank of America BankAmericard

    Bank of America

    BankAmericard

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #55 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #54. Trails American Express Platinum Card by $1,254 over 3 years, mostly on credits (−$3,301).
    5. Against #56. Capital One Platinum is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  56. #56Capital One Platinum

    Capital One

    Platinum

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #56 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #55. Bank of America BankAmericard is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #57. Chase Slate is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  57. #57Chase Slate

    Chase

    Slate

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #57 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #56. Capital One Platinum is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #58. Chase Slate Edge is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  58. #58Chase Slate Edge

    Chase

    Slate Edge

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #58 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #57. Chase Slate is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #59. Wells Fargo Reflect is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  59. #59Wells Fargo Reflect

    Wells Fargo

    Reflect

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #59 of 59. By earn on dining on the couple preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #58. Chase Slate Edge is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

More best-of lists

The ranking in numbers

Couple preset, $2,555 a month, after fees. "~" marks estimates.

CardYear 1Year 2+3 years
Chase Freedom Flex$775$525$1,826
Chase DoorDash Rewards Mastercard$475$475$1,426
Chase Sapphire Reserve$1,547$547$2,640
Citi Strata Premier$1,158$558$2,273
Wells Fargo One Key Card$908$658$2,224
Chase World of Hyatt~$1,152~$477~$2,106
Chase Sapphire Preferred$1,201$451$2,103
Wells Fargo Autograph Journey$1,012$412$1,836
Capital One Savor$742$542$1,825
Chase Freedom Unlimited$730$530$1,790

Frequently asked questions

What are the best credit cards for dining?

On couple spending ($2,555 a month), Chase Freedom Flex ranks first: $775 in year 1 and $525 a year after fees. From year 2, Chase IHG One Rewards Premier keeps the most: ~$1,011 a year.

How were these cards picked?

Ranked by what a couple's restaurant and takeout spending earns each year. The order comes from the same calculation as the comparison tool, with the same tie-breakers; commission never changes it.

Will the order be the same for me?

Only if you spend like the preset. This page sorts on dining alone, so a card with a lower rate there can still be worth more overall. Set your own numbers in the tool to see your order.

Sources

Estimates for information only; not financial advice. See how cards are ranked.