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Best credit cards for groceries in the US for 2026

Verified Oct 16, 2026USD

Ranked by what a family's grocery 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: Family · $3,350/moRank these on my own spending

  1. #1American 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$1,096
    Year 2+$751

    3 years $2,598 after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,096
    Year 2+$751
    Welcome or anniversary bonus$250 / $0Rewards on spending$798 / $798Credits$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 #1 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,598 after fees.
    2. Year 1. $1,096 = welcome bonus $250 + rewards $798 + credits $48.
    3. Each year after. $751 = rewards $798 + credits $48 − fee $95.
    4. Against #2. Trails Citi Strata Premier by $267 over 3 years, mostly on welcome bonus (−$350).

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

    Verified Oct 16, 2026Every term and assumption
  2. #2Citi 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$1,355
    Year 2+$755

    3 years $2,865 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,355
    Year 2+$755
    Welcome or anniversary bonus$600 / $0Rewards on spending$810 / $810Credits$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 #2 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,865 after fees.
    2. Year 1. $1,355 = welcome bonus $600 + rewards $810 + credits $40 − fee $95.
    3. Each year after. $755 = rewards $810 + credits $40 − fee $95.
    4. Against #1. Beats American Express Blue Cash Preferred by $267 over 3 years, mostly on welcome bonus (+$350).
    5. Against #3. Beats Wells Fargo One Key Card by $23 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
  3. #3Wells 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$1,114
    Year 2+$864

    3 years $2,842 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,114
    Year 2+$864
    Welcome or anniversary bonus$250 / $0Rewards on spending$864 / $864Fees (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 #3 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,842 after fees.
    2. Year 1. $1,114 = welcome bonus $250 + rewards $864.
    3. Each year after. $864 = rewards $864.
    4. Against #2. Trails Citi Strata Premier by $23 over 3 years, mostly on welcome bonus (−$350).
    5. Against #4. Beats Capital One Savor by $543 over 3 years, mostly on rewards on spending (+$493).
    Verified Oct 16, 2026Every term and assumption
  4. #4Capital 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$900
    Year 2+$700

    3 years $2,299 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$900
    Year 2+$700
    Welcome or anniversary bonus$200 / $0Rewards on spending$700 / $700Fees (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 #4 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,299 after fees.
    2. Year 1. $900 = welcome bonus $200 + rewards $700.
    3. Each year after. $700 = rewards $700.
    4. Against #3. Trails Wells Fargo One Key Card by $543 over 3 years, mostly on rewards on spending (−$493).
    5. Against #5. Beats Citi Strata by $128 over 3 years, mostly on welcome bonus (+$200).
    Verified Oct 16, 2026Every term and assumption
  5. #5Citi 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$724
    Year 2+$724

    3 years $2,171 after fees· no fee to coverBonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$724
    Year 2+$724
    Rewards on spending$724 / $724Fees (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 #5 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,171 after fees.
    2. Year 1. $724 = rewards $724.
    3. Each year after. $724 = rewards $724.
    4. Against #4. Trails Capital One Savor by $128 over 3 years, mostly on welcome bonus (−$200).
    5. Against #6. Trails Chase IHG One Rewards Premier by $2,325 over 3 years, mostly on welcome bonus (−$1,062).
    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
  6. #6Chase 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 $2,010, based on 0.59 cents per point
    Year 2+estimated value, about $1,243, based on 0.59 cents per point

    3 years estimated value, about $4,496, based on 0.59 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 $2,010, based on 0.59 cents per point
    Year 2+estimated value, about $1,243, based on 0.59 cents per point
    Welcome or anniversary bonus$1,062 / $295Rewards on spending$963 / $963Credits$135 / $135Fees (taken off the end)−$150 / −$150
    Pays for itself in month 1 · 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 #6 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $4,496 (estimated) after fees.
    2. Year 1. about $2,010 (estimated) = welcome bonus $1,062 + rewards $963 + credits $135 − fee $150.
    3. Each year after. about $1,243 (estimated) = anniversary bonus $295 + rewards $963 + credits $135 − fee $150.
    4. Against #5. Beats Citi Strata by $2,325 over 3 years, mostly on welcome bonus (+$1,062).
    5. Against #7. Beats Chase Air Canada Aeroplan Card by $634 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
  7. #7Chase 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 $2,360, based on 1.4 cents per point
    Year 2+estimated value, about $750, based on 1.4 cents per point

    3 years estimated value, about $3,861, 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 $2,360, based on 1.4 cents per point
    Year 2+estimated value, about $750, based on 1.4 cents per point
    Welcome or anniversary bonus$1,610 / $0Rewards on spending$890 / $890Credits$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 #7 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $3,861 (estimated) after fees.
    2. Year 1. about $2,360 (estimated) = welcome bonus $1,610 + rewards $890 + credits $55 − fee $195.
    3. Each year after. about $750 (estimated) = rewards $890 + credits $55 − fee $195.
    4. Against #6. Trails Chase IHG One Rewards Premier by $634 over 3 years, mostly on welcome bonus (+$548).
    5. Against #8. Beats American Express Gold Card by $2,613 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
  8. #8American 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$416
    Year 2+$416

    3 years $1,249 after fees· pays for itself in month 6Bonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$416
    Year 2+$416
    Rewards on spending$522 / $522Credits$219 / $219Fees (taken off the end)−$325 / −$325
    Pays for itself in month 6 · 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 #8 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,249 after fees.
    2. Year 1. $416 = rewards $522 + credits $219 − fee $325.
    3. Each year after. $416 = rewards $522 + credits $219 − fee $325.
    4. Against #7. Trails Chase Air Canada Aeroplan Card by $2,613 over 3 years, mostly on welcome bonus (−$1,610).
    5. Against #9. Trails American Express Blue Cash Everyday by $964 over 3 years, mostly on annual fees (−$975).
    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
  9. #9American 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$838
    Year 2+$688

    3 years $2,213 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$838
    Year 2+$688
    Welcome or anniversary bonus$150 / $0Rewards on spending$654 / $654Credits$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 #9 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,213 after fees.
    2. Year 1. $838 = welcome bonus $150 + rewards $654 + credits $34.
    3. Each year after. $688 = rewards $654 + credits $34.
    4. Against #8. Beats American Express Gold Card by $964 over 3 years, mostly on annual fees (+$975).
    5. Against #10. Beats Wells Fargo Choice Privileges Mastercard by $21 over 3 years, mostly on welcome bonus (−$300).

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

    Verified Oct 16, 2026Every term and assumption
  10. #10Wells 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 $1,031, based on 0.75 cents per point
    Year 2+estimated value, about $581, based on 0.75 cents per point

    3 years estimated value, about $2,192, 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 $1,031, based on 0.75 cents per point
    Year 2+estimated value, about $581, based on 0.75 cents per point
    Welcome or anniversary bonus$450 / $0Rewards on spending$581 / $581Fees (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 #10 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,192 (estimated) after fees.
    2. Year 1. about $1,031 (estimated) = welcome bonus $450 + rewards $581.
    3. Each year after. about $581 (estimated) = rewards $581.
    4. Against #9. Trails American Express Blue Cash Everyday by $21 over 3 years, mostly on welcome bonus (+$300).
    5. Against #11. Trails Citi Double Cash by $421 over 3 years, mostly on rewards on spending (−$671).

    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
  11. #11Citi 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$1,004
    Year 2+$804

    3 years $2,612 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,004
    Year 2+$804
    Welcome or anniversary bonus$200 / $0Rewards on spending$804 / $804Fees (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 #11 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,612 after fees.
    2. Year 1. $1,004 = welcome bonus $200 + rewards $804.
    3. Each year after. $804 = rewards $804.
    4. Against #10. Beats Wells Fargo Choice Privileges Mastercard by $421 over 3 years, mostly on rewards on spending (+$671).
    5. Against #12. Beats Wells Fargo Active Cash by $100 over 3 years, mostly on welcome bonus (+$100).
    Verified Oct 16, 2026Every term and assumption
  12. #12Wells 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$904
    Year 2+$804

    3 years $2,512 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$904
    Year 2+$804
    Welcome or anniversary bonus$100 / $0Rewards on spending$804 / $804Fees (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 #12 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,512 after fees.
    2. Year 1. $904 = welcome bonus $100 + rewards $804.
    3. Each year after. $804 = rewards $804.
    4. Against #11. Trails Citi Double Cash by $100 over 3 years, mostly on welcome bonus (−$100).
    5. Against #13. Beats U.S. Bank Smartly Visa Signature by $100 over 3 years, mostly on welcome bonus (+$100).
    Verified Oct 16, 2026Every term and assumption
  13. #13U.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$804
    Year 2+$804

    3 years $2,412 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$804
    Year 2+$804
    Rewards on spending$804 / $804Fees (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 #13 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,412 after fees.
    2. Year 1. $804 = rewards $804.
    3. Each year after. $804 = rewards $804.
    4. Against #12. Trails Wells Fargo Active Cash by $100 over 3 years, mostly on welcome bonus (−$100).
    5. Against #14. Beats U.S. Bank Cash+ by $70 over 3 years, mostly on rewards on spending (+$270).
    Verified Oct 16, 2026Every term and assumption
  14. #14U.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$914
    Year 2+$714

    3 years $2,342 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$914
    Year 2+$714
    Welcome or anniversary bonus$200 / $0Rewards on spending$714 / $714Fees (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 #14 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,342 after fees.
    2. Year 1. $914 = welcome bonus $200 + rewards $714.
    3. Each year after. $714 = rewards $714.
    4. Against #13. Trails U.S. Bank Smartly Visa Signature by $70 over 3 years, mostly on rewards on spending (−$270).
    5. Against #15. Beats Chase DoorDash Rewards Mastercard by $517 over 3 years, mostly on rewards on spending (+$317).
    Verified Oct 16, 2026Every term and assumption
  15. #15Chase 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$608
    Year 2+$608

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

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$608
    Year 2+$608
    Rewards on spending$608 / $608Fees (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 #15 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,825 after fees.
    2. Year 1. $608 = rewards $608.
    3. Each year after. $608 = rewards $608.
    4. Against #14. Trails U.S. Bank Cash+ by $517 over 3 years, mostly on rewards on spending (−$317).
    5. Against #16. Trails Chase Southwest Rapid Rewards Premier by $530 over 3 years, mostly on welcome bonus (−$688).
    Verified Oct 16, 2026Every term and assumption
  16. #16Chase 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 $1,194, based on 1.25 cents per point
    Year 2+estimated value, about $581, based on 1.25 cents per point

    3 years estimated value, about $2,356, 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 $1,194, based on 1.25 cents per point
    Year 2+estimated value, about $581, based on 1.25 cents per point
    Welcome or anniversary bonus$688 / $75Rewards on spending$625 / $625Credits$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 #16 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,356 (estimated) after fees.
    2. Year 1. about $1,194 (estimated) = welcome bonus $688 + rewards $625 + credits $30 − fee $149.
    3. Each year after. about $581 (estimated) = anniversary bonus $75 + rewards $625 + credits $30 − fee $149.
    4. Against #15. Beats Chase DoorDash Rewards Mastercard by $530 over 3 years, mostly on welcome bonus (+$688).
    5. Against #17. Trails Chase IHG One Rewards by $235 over 3 years, mostly on annual fees (−$447).

    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
  17. #17Chase 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 $1,355, based on 0.59 cents per point
    Year 2+estimated value, about $618, based on 0.59 cents per point

    3 years estimated value, about $2,590, 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 $1,355, based on 0.59 cents per point
    Year 2+estimated value, about $618, based on 0.59 cents per point
    Welcome or anniversary bonus$738 / $0Rewards on spending$588 / $588Credits$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 #17 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,590 (estimated) after fees.
    2. Year 1. about $1,355 (estimated) = welcome bonus $738 + rewards $588 + credits $30.
    3. Each year after. about $618 (estimated) = rewards $588 + credits $30.
    4. Against #16. Beats Chase Southwest Rapid Rewards Premier by $235 over 3 years, mostly on annual fees (+$447).
    5. Against #18. Beats Chase Southwest Rapid Rewards Plus by $369 over 3 years, mostly on annual fees (+$297).

    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
  18. #18Chase 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 $1,132, based on 1.25 cents per point
    Year 2+estimated value, about $545, based on 1.25 cents per point

    3 years estimated value, about $2,222, 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 $1,132, based on 1.25 cents per point
    Year 2+estimated value, about $545, based on 1.25 cents per point
    Welcome or anniversary bonus$625 / $38Rewards on spending$576 / $576Credits$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 #18 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,222 (estimated) after fees.
    2. Year 1. about $1,132 (estimated) = welcome bonus $625 + rewards $576 + credits $30 − fee $99.
    3. Each year after. about $545 (estimated) = anniversary bonus $38 + rewards $576 + credits $30 − fee $99.
    4. Against #17. Trails Chase IHG One Rewards by $369 over 3 years, mostly on annual fees (−$297).
    5. Against #19. Trails Chase Marriott Bonvoy Boundless by $1,094 over 3 years, mostly on welcome bonus (−$470).

    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
  19. #19Chase 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 $1,698, based on 0.73 cents per point
    Year 2+estimated value, about $809, based on 0.73 cents per point

    3 years estimated value, about $3,316, based on 0.73 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 $1,698, based on 0.73 cents per point
    Year 2+estimated value, about $809, based on 0.73 cents per point
    Welcome or anniversary bonus$1,095 / $256Rewards on spending$648 / $648Credits$50 / $0Fees (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

    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 #19 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $3,316 (estimated) after fees.
    2. Year 1. about $1,698 (estimated) = welcome bonus $1,095 + rewards $648 + credits $50 − fee $95.
    3. Each year after. about $809 (estimated) = anniversary bonus $256 + rewards $648 − fee $95.
    4. Against #18. Beats Chase Southwest Rapid Rewards Plus by $1,094 over 3 years, mostly on welcome bonus (+$470).
    5. Against #20. Beats Discover it Cash Back by $863 over 3 years, mostly on welcome bonus (+$1,095).
    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
  20. #20Discover 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$1,226
    Year 2+$613

    3 years $2,453 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,226
    Year 2+$613
    Rewards on spending$1,226 / $613Fees (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 #20 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,453 after fees.
    2. Year 1. $1,226 = rewards $1,226.
    3. Each year after. $613 = rewards $613.
    4. Against #19. Trails Chase Marriott Bonvoy Boundless by $863 over 3 years, mostly on welcome bonus (−$1,095).
    5. Against #21. 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
  21. #21Discover 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$1,226
    Year 2+$613

    3 years $2,453 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,226
    Year 2+$613
    Rewards on spending$1,226 / $613Fees (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 #21 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,453 after fees.
    2. Year 1. $1,226 = rewards $1,226.
    3. Each year after. $613 = rewards $613.
    4. Against #20. 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 #22. 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
  22. #22Discover 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$1,226
    Year 2+$613

    3 years $2,453 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,226
    Year 2+$613
    Rewards on spending$1,226 / $613Fees (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 #22 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,453 after fees.
    2. Year 1. $1,226 = rewards $1,226.
    3. Each year after. $613 = rewards $613.
    4. Against #21. Discover it Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #23. Beats Bank of America Customized Cash Rewards by $423 over 3 years, mostly on rewards on spending (+$623).
    Verified Oct 16, 2026Every term and assumption
  23. #23Bank 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$930
    Year 2+$550

    3 years $2,030 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$930
    Year 2+$550
    Welcome or anniversary bonus$200 / $0Rewards on spending$730 / $550Fees (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 #23 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,030 after fees.
    2. Year 1. $930 = welcome bonus $200 + rewards $730.
    3. Each year after. $550 = rewards $550.
    4. Against #22. Trails Discover it Student Cash Back by $423 over 3 years, mostly on rewards on spending (−$623).
    5. Against #24. Trails Bank of America Atmos Rewards Ascent by $725 over 3 years, mostly on welcome bonus (−$550).
    Verified Oct 16, 2026Every term and assumption
  24. #24Bank 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 $1,418, based on 1.5 cents per point
    Year 2+estimated value, about $668, based on 1.5 cents per point

    3 years estimated value, about $2,755, 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 $1,418, based on 1.5 cents per point
    Year 2+estimated value, about $668, based on 1.5 cents per point
    Welcome or anniversary bonus$750 / $0Rewards on spending$763 / $763Fees (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 #24 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,755 (estimated) after fees.
    2. Year 1. about $1,418 (estimated) = welcome bonus $750 + rewards $763 − fee $95.
    3. Each year after. about $668 (estimated) = rewards $763 − fee $95.
    4. Against #23. Beats Bank of America Customized Cash Rewards by $725 over 3 years, mostly on welcome bonus (+$550).
    5. Against #25. Beats Chase World of Hyatt by $151 over 3 years, mostly on rewards on spending (+$76).

    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
  25. #25Chase 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 $1,318, based on 1.5 cents per point
    Year 2+estimated value, about $643, based on 1.5 cents per point

    3 years estimated value, about $2,604, 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 $1,318, based on 1.5 cents per point
    Year 2+estimated value, about $643, based on 1.5 cents per point
    Welcome or anniversary bonus$675 / $0Rewards on spending$738 / $738Fees (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
    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 #25 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,604 (estimated) after fees.
    2. Year 1. about $1,318 (estimated) = welcome bonus $675 + rewards $738 − fee $95.
    3. Each year after. about $643 (estimated) = rewards $738 − fee $95.
    4. Against #24. Trails Bank of America Atmos Rewards Ascent by $151 over 3 years, mostly on rewards on spending (−$76).
    5. Against #26. Beats Bank of America Premium Rewards by $167 over 3 years, mostly on rewards on spending (+$279).
    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
  26. #26Bank 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$1,213
    Year 2+$613

    3 years $2,438 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,213
    Year 2+$613
    Welcome or anniversary bonus$600 / $0Rewards on spending$645 / $645Credits$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 #26 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,438 after fees.
    2. Year 1. $1,213 = welcome bonus $600 + rewards $645 + credits $63 − fee $95.
    3. Each year after. $613 = rewards $645 + credits $63 − fee $95.
    4. Against #25. Trails Chase World of Hyatt by $167 over 3 years, mostly on rewards on spending (−$279).
    5. Against #27. Beats Discover it Miles by $26 over 3 years, mostly on welcome bonus (+$600).
    Verified Oct 16, 2026Every term and assumption
  27. #27Discover 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$1,206
    Year 2+$603

    3 years $2,412 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,206
    Year 2+$603
    Rewards on spending$1,206 / $603Fees (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 #27 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,412 after fees.
    2. Year 1. $1,206 = rewards $1,206.
    3. Each year after. $603 = rewards $603.
    4. Against #26. Trails Bank of America Premium Rewards by $26 over 3 years, mostly on welcome bonus (−$600).
    5. Against #28. Beats Chase Freedom Unlimited by $155 over 3 years, mostly on rewards on spending (+$355).
    Verified Oct 16, 2026Every term and assumption
  28. #28Chase 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$886
    Year 2+$686

    3 years $2,257 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$886
    Year 2+$686
    Welcome or anniversary bonus$200 / $0Rewards on spending$686 / $686Fees (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 #28 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,257 after fees.
    2. Year 1. $886 = welcome bonus $200 + rewards $686.
    3. Each year after. $686 = rewards $686.
    4. Against #27. Trails Discover it Miles by $155 over 3 years, mostly on rewards on spending (−$355).
    5. Against #29. Beats Bank of America Travel Rewards by $198 over 3 years, mostly on rewards on spending (+$248).

    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. #29Bank 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$853
    Year 2+$603

    3 years $2,059 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$853
    Year 2+$603
    Welcome or anniversary bonus$250 / $0Rewards on spending$603 / $603Fees (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 #29 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,059 after fees.
    2. Year 1. $853 = welcome bonus $250 + rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #28. Trails Chase Freedom Unlimited by $198 over 3 years, mostly on rewards on spending (−$248).
    5. Against #30. 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
  30. #30Bank 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$853
    Year 2+$603

    3 years $2,059 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$853
    Year 2+$603
    Welcome or anniversary bonus$250 / $0Rewards on spending$603 / $603Fees (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 #30 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,059 after fees.
    2. Year 1. $853 = welcome bonus $250 + rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #29. 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 #31. Beats Capital One Quicksilver by $50 over 3 years, mostly on welcome bonus (+$50).
    Verified Oct 16, 2026Every term and assumption
  31. #31Capital 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$803
    Year 2+$603

    3 years $2,009 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$803
    Year 2+$603
    Welcome or anniversary bonus$200 / $0Rewards on spending$603 / $603Fees (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 #31 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,009 after fees.
    2. Year 1. $803 = welcome bonus $200 + rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #30. Trails Bank of America Unlimited Cash Rewards by $50 over 3 years, mostly on welcome bonus (−$50).
    5. Against #32. Beats Chase Freedom Rise by $175 over 3 years, mostly on welcome bonus (+$175).
    Verified Oct 16, 2026Every term and assumption
  32. #32Chase 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$628
    Year 2+$603

    3 years $1,834 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$628
    Year 2+$603
    Welcome or anniversary bonus$25 / $0Rewards on spending$603 / $603Fees (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 #32 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,834 after fees.
    2. Year 1. $628 = welcome bonus $25 + rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #31. Trails Capital One Quicksilver by $175 over 3 years, mostly on welcome bonus (−$175).
    5. Against #33. 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
  33. #33Capital 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$603
    Year 2+$603

    3 years $1,809 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$603
    Year 2+$603
    Rewards on spending$603 / $603Fees (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 #33 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,809 after fees.
    2. Year 1. $603 = rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #32. Trails Chase Freedom Rise by $25 over 3 years, mostly on welcome bonus (−$25).
    5. Against #34. 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
  34. #34Goldman 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$603
    Year 2+$603

    3 years $1,809 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$603
    Year 2+$603
    Rewards on spending$603 / $603Fees (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 #34 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,809 after fees.
    2. Year 1. $603 = rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #33. 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 #35. Beats Capital One QuicksilverOne by $117 over 3 years, mostly on annual fees (+$117).
    Verified Oct 16, 2026Every term and assumption
  35. #35Capital 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$564
    Year 2+$564

    3 years $1,692 after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$564
    Year 2+$564
    Rewards on spending$603 / $603Fees (taken off the end)−$39 / −$39
    Pays for itself in month 1 · 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 #35 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,692 after fees.
    2. Year 1. $564 = rewards $603 − fee $39.
    3. Each year after. $564 = rewards $603 − fee $39.
    4. Against #34. Trails Goldman Sachs Apple Card by $117 over 3 years, mostly on annual fees (−$117).
    5. Against #36. Beats Chase Marriott Bonvoy Bold by $131 over 3 years, mostly on rewards on spending (+$576).
    Verified Oct 16, 2026Every term and assumption
  36. #36Chase 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 $739, based on 0.73 cents per point
    Year 2+estimated value, about $411, based on 0.73 cents per point

    3 years estimated value, about $1,561, 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 $739, based on 0.73 cents per point
    Year 2+estimated value, about $411, based on 0.73 cents per point
    Welcome or anniversary bonus$329 / $0Rewards on spending$411 / $411Fees (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 #36 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $1,561 (estimated) after fees.
    2. Year 1. about $739 (estimated) = welcome bonus $329 + rewards $411.
    3. Each year after. about $411 (estimated) = rewards $411.
    4. Against #35. Trails Capital One QuicksilverOne by $131 over 3 years, mostly on rewards on spending (−$576).
    5. Against #37. Trails Chase Freedom Flex by $664 over 3 years, mostly on rewards on spending (−$743).

    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
  37. #37Chase 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$908
    Year 2+$658

    3 years $2,225 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

    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 #37 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,225 after fees.
    2. Year 1. $908 = welcome bonus $250 + rewards $658.
    3. Each year after. $658 = rewards $658.
    4. Against #36. Beats Chase Marriott Bonvoy Bold by $664 over 3 years, mostly on rewards on spending (+$743).
    5. Against #38. Trails Chase Southwest Rapid Rewards Priority by $17 over 3 years, mostly on annual fees (+$687).

    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
  38. #38Chase 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 $1,185, based on 1.25 cents per point
    Year 2+estimated value, about $529, based on 1.25 cents per point

    3 years estimated value, about $2,242, 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 $1,185, based on 1.25 cents per point
    Year 2+estimated value, about $529, based on 1.25 cents per point
    Welcome or anniversary bonus$750 / $94Rewards on spending$634 / $634Credits$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 #38 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,242 (estimated) after fees.
    2. Year 1. about $1,185 (estimated) = welcome bonus $750 + rewards $634 + credits $30 − fee $229.
    3. Each year after. about $529 (estimated) = anniversary bonus $94 + rewards $634 + credits $30 − fee $229.
    4. Against #37. Beats Chase Freedom Flex by $17 over 3 years, mostly on annual fees (−$687).
    5. Against #39. Trails Chase United Quest by $478 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
  39. #39Chase 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 $1,547, based on 1.2 cents per point
    Year 2+estimated value, about $587, based on 1.2 cents per point

    3 years estimated value, about $2,720, based on 1.2 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 $1,547, based on 1.2 cents per point
    Year 2+estimated value, about $587, based on 1.2 cents per point
    Welcome or anniversary bonus$960 / $0Rewards on spending$611 / $611Credits$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 #39 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,720 (estimated) after fees.
    2. Year 1. about $1,547 (estimated) = welcome bonus $960 + rewards $611 + credits $326 − fee $350.
    3. Each year after. about $587 (estimated) = rewards $611 + credits $326 − fee $350.
    4. Against #38. Beats Chase Southwest Rapid Rewards Priority by $478 over 3 years, mostly on credits (+$888).
    5. Against #40. Beats Chase United Explorer by $143 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
  40. #40Chase 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 $1,519, based on 1.2 cents per point
    Year 2+estimated value, about $529, based on 1.2 cents per point

    3 years estimated value, about $2,577, based on 1.2 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 $1,519, based on 1.2 cents per point
    Year 2+estimated value, about $529, based on 1.2 cents per point
    Welcome or anniversary bonus$840 / $0Rewards on spending$576 / $576Credits$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 #40 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,577 (estimated) after fees.
    2. Year 1. about $1,519 (estimated) = welcome bonus $840 + rewards $576 + credits $103.
    3. Each year after. about $529 (estimated) = rewards $576 + credits $103 − fee $150.
    4. Against #39. Trails Chase United Quest by $143 over 3 years, mostly on annual fees (+$750).
    5. Against #41. Beats Chase United Gateway by $488 over 3 years, mostly on welcome bonus (+$360).

    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
  41. #41Chase 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 $1,016, based on 1.2 cents per point
    Year 2+estimated value, about $536, based on 1.2 cents per point

    3 years estimated value, about $2,089, 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 $1,016, based on 1.2 cents per point
    Year 2+estimated value, about $536, based on 1.2 cents per point
    Welcome or anniversary bonus$480 / $0Rewards on spending$536 / $536Fees (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 #41 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,089 (estimated) after fees.
    2. Year 1. about $1,016 (estimated) = welcome bonus $480 + rewards $536.
    3. Each year after. about $536 (estimated) = rewards $536.
    4. Against #40. Trails Chase United Explorer by $488 over 3 years, mostly on welcome bonus (−$360).
    5. Against #42. Beats Chase British Airways Visa Signature by $69 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
  42. #42Chase 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 $1,205, based on 1.1 cents per point
    Year 2+estimated value, about $408, based on 1.1 cents per point

    3 years estimated value, about $2,021, based on 1.1 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 $1,205, based on 1.1 cents per point
    Year 2+estimated value, about $408, based on 1.1 cents per point
    Welcome or anniversary bonus$825 / $28Rewards on spending$475 / $475Fees (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 #42 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth about $2,021 (estimated) after fees.
    2. Year 1. about $1,205 (estimated) = welcome bonus $825 + rewards $475 − fee $95.
    3. Each year after. about $408 (estimated) = anniversary bonus $28 + rewards $475 − fee $95.
    4. Against #41. Trails Chase United Gateway by $69 over 3 years, mostly on welcome bonus (+$345).
    5. Against #43. Trails Chase Sapphire Reserve by $1,022 over 3 years, mostly on credits (−$2,664).

    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
  43. #43Chase 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$1,681
    Year 2+$681

    3 years $3,043 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,681
    Year 2+$681
    Welcome or anniversary bonus$1,000 / $0Rewards on spending$588 / $588Credits$888 / $888Fees (taken off the end)−$795 / −$795
    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
    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 #43 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $3,043 after fees.
    2. Year 1. $1,681 = welcome bonus $1,000 + rewards $588 + credits $888 − fee $795.
    3. Each year after. $681 = rewards $588 + credits $888 − fee $795.
    4. Against #42. Beats Chase British Airways Visa Signature by $1,022 over 3 years, mostly on credits (+$2,664).
    5. Against #44. Beats Chase Sapphire Preferred by $515 over 3 years, mostly on credits (+$2,412).

    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
  44. #44Chase 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$1,343
    Year 2+$593

    3 years $2,528 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,343
    Year 2+$593
    Welcome or anniversary bonus$750 / $0Rewards on spending$604 / $604Credits$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 #44 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,528 after fees.
    2. Year 1. $1,343 = welcome bonus $750 + rewards $604 + credits $84 − fee $95.
    3. Each year after. $593 = rewards $604 + credits $84 − fee $95.
    4. Against #43. Trails Chase Sapphire Reserve by $515 over 3 years, mostly on credits (−$2,412).
    5. Against #45. Beats Wells Fargo Autograph Journey by $282 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
  45. #45Wells 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$1,149
    Year 2+$549

    3 years $2,246 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,149
    Year 2+$549
    Welcome or anniversary bonus$600 / $0Rewards on spending$604 / $604Credits$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 #45 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,246 after fees.
    2. Year 1. $1,149 = welcome bonus $600 + rewards $604 + credits $40 − fee $95.
    3. Each year after. $549 = rewards $604 + credits $40 − fee $95.
    4. Against #44. Trails Chase Sapphire Preferred by $282 over 3 years, mostly on welcome bonus (−$150).
    5. Against #46. Beats Wells Fargo Autograph by $127 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
  46. #46Wells 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$840
    Year 2+$640

    3 years $2,119 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$840
    Year 2+$640
    Welcome or anniversary bonus$200 / $0Rewards on spending$640 / $640Fees (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 #46 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $2,119 after fees.
    2. Year 1. $840 = welcome bonus $200 + rewards $640.
    3. Each year after. $640 = rewards $640.
    4. Against #45. Trails Wells Fargo Autograph Journey by $127 over 3 years, mostly on welcome bonus (−$400).
    5. Against #47. Beats Citi Costco Anywhere Visa by $175 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
  47. #47Citi 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$648
    Year 2+$648

    3 years $1,944 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$648
    Year 2+$648
    Rewards on spending$648 / $648Fees (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 #47 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,944 after fees.
    2. Year 1. $648 = rewards $648.
    3. Each year after. $648 = rewards $648.
    4. Against #46. Trails Wells Fargo Autograph by $175 over 3 years, mostly on welcome bonus (−$200).
    5. Against #48. Beats Chase Prime Visa by $120 over 3 years, mostly on rewards on spending (+$270).
    Verified Oct 16, 2026Every term and assumption
  48. #48Chase 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$708
    Year 2+$558

    3 years $1,824 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$708
    Year 2+$558
    Welcome or anniversary bonus$150 / $0Rewards on spending$558 / $558Fees (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 #48 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,824 after fees.
    2. Year 1. $708 = welcome bonus $150 + rewards $558.
    3. Each year after. $558 = rewards $558.
    4. Against #47. Trails Citi Costco Anywhere Visa by $120 over 3 years, mostly on rewards on spending (−$270).
    5. Against #49. Beats Discover it Chrome by $56 over 3 years, mostly on welcome bonus (+$150).
    Verified Oct 16, 2026Every term and assumption
  49. #49Discover 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$884
    Year 2+$442

    3 years $1,768 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$884
    Year 2+$442
    Rewards on spending$884 / $442Fees (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 #49 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,768 after fees.
    2. Year 1. $884 = rewards $884.
    3. Each year after. $442 = rewards $442.
    4. Against #48. Trails Chase Prime Visa by $56 over 3 years, mostly on welcome bonus (−$150).
    5. Against #50. Beats Chase Amazon Visa by $152 over 3 years, mostly on rewards on spending (+$202).
    Verified Oct 16, 2026Every term and assumption
  50. #50Chase 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$572
    Year 2+$522

    3 years $1,616 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$572
    Year 2+$522
    Welcome or anniversary bonus$50 / $0Rewards on spending$522 / $522Fees (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 #50 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,616 after fees.
    2. Year 1. $572 = welcome bonus $50 + rewards $522.
    3. Each year after. $522 = rewards $522.
    4. Against #49. Trails Discover it Chrome by $152 over 3 years, mostly on rewards on spending (−$202).
    5. Against #51. Beats Capital One Venture by $98 over 3 years, mostly on rewards on spending (+$360).
    Verified Oct 16, 2026Every term and assumption
  51. #51Capital 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$856
    Year 2+$331

    3 years $1,518 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$856
    Year 2+$331
    Welcome or anniversary bonus$375 / $0Rewards on spending$402 / $402Credits$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 #51 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,518 after fees.
    2. Year 1. $856 = welcome bonus $375 + rewards $402 + credits $174 − fee $95.
    3. Each year after. $331 = rewards $402 + credits $24 − fee $95.
    4. Against #50. Trails Chase Amazon Visa by $98 over 3 years, mostly on rewards on spending (−$360).
    5. Against #52. 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
  52. #52Capital 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$646
    Year 2+$321

    3 years $1,288 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$646
    Year 2+$321
    Welcome or anniversary bonus$375 / $50Rewards on spending$402 / $402Credits$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 #52 of 59. By earn on groceries on the family preset's spending. Over 3 years it's worth $1,288 after fees.
    2. Year 1. $646 = welcome bonus $375 + rewards $402 + credits $264 − fee $395.
    3. Each year after. $321 = anniversary bonus $50 + rewards $402 + credits $264 − fee $395.
    4. Against #51. Trails Capital One Venture by $230 over 3 years, mostly on annual fees (−$900).
    5. Against #53. Beats Capital One VentureOne by $434 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
  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$351
    Year 2+$251

    3 years $854 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$351
    Year 2+$251
    Welcome or anniversary bonus$100 / $0Rewards on spending$251 / $251Fees (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 groceries on the family preset's spending. Over 3 years it's worth $854 after fees.
    2. Year 1. $351 = welcome bonus $100 + rewards $251.
    3. Each year after. $251 = rewards $251.
    4. Against #52. Trails Capital One Venture X by $434 over 3 years, mostly on annual fees (+$1,185).
    5. Against #54. Trails American Express Platinum Card by $615 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$490
    Year 2+$490

    3 years $1,469 after fees· pays for itself in month 8Bonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$490
    Year 2+$490
    Rewards on spending$284 / $284Credits$1,100 / $1,100Fees (taken off the end)−$895 / −$895
    Pays for itself in month 8 · 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 groceries on the family preset's spending. Over 3 years it's worth $1,469 after fees.
    2. Year 1. $490 = rewards $284 + credits $1,100 − fee $895.
    3. Each year after. $490 = rewards $284 + credits $1,100 − fee $895.
    4. Against #53. Beats Capital One VentureOne by $615 over 3 years, mostly on credits (+$3,301).
    5. Against #55. Beats Bank of America BankAmericard by $1,469 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 groceries on the family 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 $1,469 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 groceries on the family 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 groceries on the family 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 groceries on the family 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 groceries on the family 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

Family preset, $3,350 a month, after fees. "~" marks estimates.

CardYear 1Year 2+3 years
American Express Blue Cash Preferred$1,096$751$2,598
Citi Strata Premier$1,355$755$2,865
Wells Fargo One Key Card$1,114$864$2,842
Capital One Savor$900$700$2,299
Citi Strata$724$724$2,171
Chase IHG One Rewards Premier~$2,010~$1,243~$4,496
Chase Air Canada Aeroplan Card~$2,360~$750~$3,861
American Express Gold Card$416$416$1,249
American Express Blue Cash Everyday$838$688$2,213
Wells Fargo Choice Privileges Mastercard~$1,031~$581~$2,192

Frequently asked questions

What are the best credit cards for groceries?

On family spending ($3,350 a month), American Express Blue Cash Preferred ranks first: $1,096 in year 1 and $751 a year after fees. From year 2, Chase IHG One Rewards Premier keeps the most: ~$1,243 a year.

How were these cards picked?

Ranked by what a family's grocery 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 groceries 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.